Other Property
Repair Programs
Not sure what program you qualify for?

Fill out our lending inquiry form and someone from our lending staff will contact you with additional information on which products might be best suited for you.


City-wide 1% Home Improvement Program
Loans for exterior home improvements of up to $10,0000 at a 1.00% fixed interest rate (APR-Annual Percentage Rate 1.277%). The City-wide 1% Home Improvement Loan Program is available to households that are current on water and property taxes and have current homeowners insurance. Household income will also need to fall under 80% of the area median income* (see HUD income limits here). Applications are available at Home HeadQuarters or on our website.

*Please note: There is an exception to the income requirement if you live in certain areas of the city of Syracuse. Contact our office for additional details.

Eligibility: City of Syracuse | Download Application

UNPA Home Improvement Loan Program
Loans for exterior home improvement of up to $10,000 for a term of up to 7 years at a 1.00% interest rate – 1.787% APR (Annual Percentage Rate). Homeowner must live in home for the term of the loan. Anyone can apply regardless of income level. Must be current on property taxes and water bills and must have homeowners insurance.

For map of UNPA target area click here.

Eligible Address List | APPLICATION

Syracuse Homeowner Assistance Repair Program (SHARP)
Assists low-income homeowners with minor home repairs and helps to cure minor code violations. Homeowners are responsible for a 10% contribution to the total job cost. Total job cost cannot exceed $1,000. Homeowners must live in home and meet income eligibility, be current on property taxes and water bills and have current homeowners insurance.

Eligibility: City of Syracuse | All funding has been allocated at this time.

The Community Initiatives Program - Skunk City
Make needed improvements to your home with a Low Interest Home Improvement Loan. Loans of up to $10,000 are available to owner-occupants at 1% and investor-owners at 3% for a term of up to 7 years. This loan can address exterior or energy improvements ONLY. Must be current on water and tax bills. This program is available regardless of income and on a first come, first served basis.

For map of Skunk City neighborhood click here. Please return all applications to Syracuse United Neighbors (SUN) at 1504 South Salina Street, Syracuse, NY 13205.

Eligible Address List | HOME IMPROVEMENT LOAN

The Community Initiatives Program - Sacred Heart/Sackett Tract
Low Interest Loans & Mini-Grants. Make needed improvements to your home! Improve the overall appearance of your neighborhood! All programs are available regardless of income and are first come, first served.

For map of Sacred Heart/Sackett Tract neighborhood click here.


Eastwood 5-Star
The goal of the Eastwood 5-Star Rental Program is to strengthen the residential rental property market in the Eastwood neighborhood. Landlords gain the benefits of professional tenant selection options, technical assistance with their property management skills and marketing and public relations. With access to low-interest home improvement financing for qualified applicants, landlords can make updates and repairs to increase the marketability of their properties to prospective tenants.


990 James Street, Suite 100, Syracuse, NY 13203
Phone (315) 474-1939 Fax (315) 474-0637
Email: info@homehq.org