Manuel Estrada, Jr. (NHSDC, Inc. - Executive Director) and Mr. Enrique Mata (NHSDC, Inc. Board of directors President).

NHSDC, Inc. - Service AREA:

  • Dimmit County
  • Edwards County
  • Frio County
  • Kinney County
  • LaSalle County
  • Maverick County
  • Medina County
  • Real County
  • Uvalde County
  • Val Verde County
  • Zavala County

Small Business Loans

     We offer small business loans between $5,000 and $100,000 for:  Business acquisition, working capital, purchase of machinery and/or equipment, purchase of inventory, acquisition of furniture and fixtures, purchase of real estate to house the business operations and for leasehold improvements.  This type of loan request can be used for business start-ups and business expansions. Applicants must be located in our service area and loans must create or retain local employment.  Collateral is required on all loans.  In most cases, collateral provided is the equipment, inventory, real-estate, etc. 


Housing Rehab Loans

     NHSDC, Inc. is also an affordable housing agency providing home ownership and credit counseling, home mortgage loan guarantee pre-qualification services, and home rehab loans.  Our business strategy reflects our mission of stimulating rural economics through housing construction, business development, and job creation.  Our Housing Rehab Loans have a cap of $30,000 that can used for the following:  new roofing, new windows, new plumbing, the purchase/installation of HVAC, painting, new flooring, additions, etc. related to the home repairs.  Homeowners must show proof of home ownership and occupy the home.  We do not offer home mortgage loans but we help facilitate them.


Home Mortgage

     We do not make home mortgage loans through this agency but we do however, package USDA Rural 502 home mortgage guarantees, pre-qualify buyers for federal and state loan guarantee programs through the VA, FHA and USDA and introduce buyers to local banks and credit unions that have long standing relationships with our organization.

Consumer Loans

     Our consumer loans have a cap of $3,000.  Collateral to secure the note is the title of your vehicle.  The approval of this type of loan will be based on your credit score and the value of your vehicle.  The maximum term on this loan is twelve months at a reasonable fix rate.


New Home Construction/General Contractor

     NHSDC, Inc. has been for the past twenty five plus years, a certified building contractor of single family residential homes including subdivisions such as Loma Blanca Subdivision, Carrizo Hill Subdivision and currently developing La Lomita Village Subdivision all located in Carrizo Springs.  It has also constructed apartment complexes, commercial buildings, doctor clinics, hospital additions,and Carrizo Springs Independent School District's newest concession stand. 

Agricultural Business Loans

      NHSDC, Inc. has been the pioneer for providing financial assistance in helping rural ranchers repurpose land to profitable olive groves and promoting greenhouse development.  We operate a hydroponic and aquaponic greenhouse and are developing strategies to teach local residents how to raise consumable fresh vegetables and fish in home based greenhouse garden and hatcheries. 


Property Management/Ownership

     One of NHSDC, Inc.'s mission throughout the twenty five plus years of operation has been to become a self sufficient agency.  This process has entailed the acquisition and renovation of vacant commercial properties, and in turn leasing them to public agencies and businesses such as Middle Rio Grand Development (Headquarters located in Carrizo Springs), Family Dollar, Middle Rio Grande Development Workforce Center (located in Uvalde), Weldon Blackard Rental Apartments (located in Big Wells) and several other properties throughout the eleven county service area.


Healthy Food Financing Initiative

     As the principal economic and community development agency in a vast and sparsely populated area of the South Texas border region, the Healthy Food Financing Initiative (HFFI) program is a natural fit with our efforts to enhance local quality of life by financing small businesses that will promote and support healthier living standards in the local communities.  Community workshops are conducted by the NHSDC, Inc. staff to educate the public about the HFFI project and  the potential business opportunities financed by it.