Neighborhood Housing Services of Chicago, Inc., (NHS) was founded and motivated by the belief that homeownership is essential to strengthening households and communities. NHS’ theory of change is that sustainable homeownership leads to stronger neighborhoods and generational financial growth. NHS focuses on low- and moderate-income residents in challenged neighborhoods of Chicago and of South Suburban Cook County. Neighborhood Lending Services (NLS), an NHS-affiliated corporation, is Illinois’ largest nonprofit lender for homeowners and new home buyers.