IMPROVING YOUR HOME

Depending on your household income and the neighborhood in which you live, there may be programs available which offer lower interest rates or a grant component. No matter which program you apply for, Home HeadQuarters will always work to place you in the best possible program.
If you have an emergency, please just submit a completed application form!
Do not worry about specs or supporting documents until after submission.

 

FLEXFUND LOAN PROGRAM

FlexFund provides homeowners throughout Central New York with loans of up to $20,000 for home repairs or energy efficiency-related improvements.

Program Details

  • Offers loans of up to $20,000
  • The loans currently have a 4.74% fixed interest rate, and are payable over 7 years.
  • No home equity required, no income eligibility requirements, and no upfront costs.
  • Homeowner chooses the contractor.
  • Available for homeowners thoughout Central & Upstate New York.
 
 

ONONDAGA COUNTY NEIGHBORHOOD INITIATIVE:
1% EXTERIOR HOME IMPROVEMENT LOAN PROGRAM

Note: Funding for this program is extremely limited. Onondaga County Neighborhood Initiative offers homeowners in targeted neighborhoods loans of up to $10,000 at 1% interest, payable over 7 years. The loans can be used for exterior home improvements. This program is offered through a partnership between Home HeadQuarters and Onondaga County.

Eligible Repairs

 

Roof Repair or Replacement
Exterior Painting
Step Replacement
Porch Repair
Window Replacement

Exterior Door Replacement
Sidewalk Replacement
Driveway Repair
Fence Installation or Repair

 
 
 
Map of Eligible Neighborhoods: Cicero, North Syracuse, and Mattydale

Map of Eligible Neighborhoods: Cicero, North Syracuse, and Mattydale

Map of Eligible Neighborhoods: East Syracuse

Map of Eligible Neighborhoods: East Syracuse

Map of Eligible Neighborhoods: Strathmore, Elmwood, North and South Valley

Map of Eligible Neighborhoods: Strathmore, Elmwood, North and South Valley

 
 

Funding for this program is extremely limited. Please call the office at (315) 474-1939 before filling out an application.

 

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OUTER COMSTOCK NEIGHBORHOOD ASSOCIATION:
1% HOME IMPROVEMENT LOAN PROGRAM

Home HeadQuarters, in partnership with Outer Comstock Neighborhood Association, is offering homeowners in the Outer Comstock neighborhood loans of up to $10,000 at 1% interest for interior and exterior home improvements.

Program Details

  • Offers loans of up to $10,000
  • Loans are payable over 7 years
  • No income eligibility requirements
  • Homeowners must reside in the property as their primary residence
  • Available for homeowners in the Outer Comstock neighborhood, as shown in the map.

Outer Comstock Neighborhood Map (click to enlarge)


SHARP

SHARP provides income-eligible city of Syracuse homeowners with grants of up to $1,000 for minor exterior home repairs. This program is made possible through the City of Syracuse.

Program Details

  • Projects must address exterior home repairs, such as: window repair/replacement, exterior door repair/replacement, fence repair, driveway sealing/repair.
  • Homewners must contribute $100 of their own funds to the overall home improvement project.

Eligibility Requirements

  • You must own your house in the City of Syracuse.
  • Your household must earn less than 80% of HUD median income guidelines (based on family size).
  • Your property taxes and water bills must be current.
  • The home must be your primary residence.

THE APPLICATION PERIOD FOR SHARP IS NOW CLOSED. If you need a home repair, please consider some of the other financing opportunities we have available.

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TIPPERARY HILL NEIGHBORHOOD ASSOCIATION:
3% HOME IMPROVEMENT LOAN PROGRAM

Tipperary Hill Neighborhood Map (click to enlarge)

Home HeadQuarters, in partnership with the Tipperary Hill Neighborhood Association, is offering Tipperary Hill home owners home improvement loans of up to $10,000 at 3% interest, payable over 7 years. The loans can be used for exterior home improvements only (no sidewalks) and homeowners must be current on their property taxes.


UNIVERSITY NEIGHBORHOOD PRESERVATION ASSOCIATION:
1% HOME IMPROVEMENT LOAN PROGRAM

University Neighborhood Map (click to enlarge)

Home HeadQuarters, in partnership with the University Neighborhood Preservation Association, is offering homeowners in the University Neighborhood loans of up to $10,000 at 1% interest for interior and exterior home improvements.

Program Details

  • Offers loans of up to $10,000
  • Loans are payable over 7 years
  • No income eligibility requirements
  • Homeowners must reside in the property as their primary residence
  • Available for homeowners in the University Neighborhood, as shown in the map.

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URGENT CARE PROGRAM

The Urgent Care program provides income-eligible homeowners with loans of up to $20,000. Some loans may be partial payback depending on your household income. This program is made possible through the City of Syracuse.

Program Details

  • Income-eligible homeowners may receive part of the loan as a grant. If you qualify, you will only have to pay back a portion of the repair costs.
  • The portion of the loan that you have to pay back has a 4.74% fixed interest rate.

Eligibility Requirements

  • You must own your house in the City of Syracuse.
  • Your repairs must be an emergency, including: leaking roofs, sewage backup, broken furnaces, code violations, and other life/safety issues.
  • Your household must earn less than 80% of HUD median income guidelines (based on family size).
  • Your property taxes, water bill, and mortgage must be current.
  • The home must be your primary residence.

VILLAGE OF SOLVAY HOMEOWNER 1% EXTERIOR HOME IMPROVEMENT LOAN

Home HeadQuarters, in partnership with Onondaga County and Empire State Development, is offering Village of Solvay homeowners home improvement loans of up to $15,000 at 1% interest, payable over 7 years. The loans can be used for exterior home improvements only and homeowners must be current on their property taxes. Income-eligible Village of Solvay residents may also be eligible for a grant of up to $2,500 grant as part of their loan.

If you're an investor who owns property in the Village of Solvay, please visit our Investors Page to learn about your low-interest loan opportunities.

 
 

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