The Neighborhood Housing Services of Baltimore, Inc. All Credit Levels is a cdfi lender from Neighborhood Housing Services of Baltimore, Inc.. Loan terms: NHS Baltimore offers fair, flexible mortgage options that help families build equity and create lasting change.. Neighborhood Housing Services of Baltimore, Inc. (NHS Baltimore) is a Community Development Financial Institution that supports residents in achieving and sustaining homeownership through education, financial coaching, and access to fair mortgage options. They focus on empowering families in Baltimore City to build stability and wealth through homeownership. Services include: mortgages, down payment assistance, home improvement loans. US Treasury certified CDFI Loan Fund in Baltimore, MD.