301 Pena Street

Carrizo Springs, Texas 78834

NHsdc, INC

Our Mission

NHSDC is a certified CDFI, incorporated as a private/public 501(c) 3 by the State of Texas in 1986. NHSDC's mission is to further the community we serve by promoting economic development through business development, affordable home building, and support of local agricultural industries. We serve eleven (11) counties in the South Texas characterized by substandard housing, high unemployment rates, low educational attainment, and poverty. We offer a range of loan products, including USDA-IRP small business loans for startups and expansion, SBA micro-loans, CDFI loans, commercial real estate financing, home improvement loans, consumer loans, and agri-business loans. NHSDC is a key player in the border region with a strong track record in economic, business, and community development throughout the Middle Rio Grande region.


We continue building new affordable housing and helping home buyers attain affordable mortgage financing through partnership with private lenders. We offer technical assistance, community workshops, and development services to our borrowers including assistance in business plans, financial projections, marketing, bookkeeping, entrepreneurial training, credit guidance, and home ownership counseling. The majority of our services are provided to Hispanics, which make up 87% of the region's population. We do offer bilingual services.

Our Team

NHSDC is staffed by an experienced group of professionals dedicated to the mission of assisting with affordable homeownership and small business access to credit and growth opportunities thus allowing for job creation. We have five (5) full time staff positions including an Executive Director, Service Center Manager and Fiscal Officer, Construction Supervisor, Collection Agent and Small Business Loan Officer, and Administrative Assistant. Each of our staff is bilingual and able to conduct business in English and Spanish.


Over the years our staff has developed significant expertise in managing complex economic, business, community, housing and agribusiness (Healthy Food Finance Initiative) development.


  • Manuel Estrada ,Jr. is the founding CEO of NHSDC, and is highly regarded in South Texas and within the NeighborWorks network as an innovator and "miracle worker" due to his many significant accomplishments in Dimmit County and the surrounding rural communities throughout the years. Mr. Estrada has a B.A. from Stephen F. Austin University in Nacogdoches, Texas and an M.A. in Social Work from Our Lady of the Lake University in San Antonio, Texas. Mr. Estrada is a Vietnam Veteran and was awarded the Purple Heart and Army Commendation medals.
  •  Delia Navarro has over twelve years (12) experience in fiscal responsibilities. Mrs. Navarro is highly skilled in not for profit fund accounting and maintains NHSDC's financial account and loan services systems.  As NHSDC's Fiscal Officer she also has the responsibilities as Office Manager. Mrs. Navarro studied at the Southwest Texas Jr. College in Uvalde, Texas.  
  •  Lucy Brooks joined NHSDC five (5) years ago with a twenty (20) year background in personal banking and lending and five (5) years experience as a Small Business Development Specialist with the U.S. Small Business Development Center Network. Her principal responsibilities include loan origination, loan underwriting, and loan processing and closing. Ms. Brooks teaches First Step Fast Trac, a course on entrepreneurship and small business management skills to current and prospective borrowers. Ms. Brooks has completed the National Development Council certification training program for Economic Development Finance Professionals.
  •  Celia "Sally" Flores joined NHSDC ten years ago as an administrative assistant. She has since then assumed the responsibilities of Collection Agent.  Ms. Flores, is also the Apartment Manager of the Weldon Blackard Rental Apartments, a 12 unit rental property, in Big Wells, Texas. Ms. Flores has vast experience in community organization and establishing work partners with various local agencies.
  •  Martin Vargas joined NHSDC in 1987. Mr. Vargas has been NHSDC's Construction Supervisor for the past twenty-six (26) years. He has developed and coordinated the development of single family homes, subdivisions, apartments and commercial buildings. Mr. Vargas has been the "backbone" of NHSDC's affordable housing construction projects. He has worked with USDA (502), Veterans, FHA, and conventional financing for homeowners and property owners throughout the counties NHSDC services. Mr. Vargas was instrumental in overseeing NHSDC's first rehab housing project in 1987 in which 42 single family homes were rehabilitated by NHSDC.