A home and/or energy improvement loan from Home HeadQuarters can help increase the value of your home and make it more liveable, safe and energy efficient. Need a new furnace? Want to repair your leaky roof? Upgrade a bathroom? Paint your house? Home HeadQuarters can help with all these projects and more!

Home HeadQuarters has two main home improvement programs, the NYSERDA Energy Loan & Grant program and the Home HeadQuarters' FlexFund Home Improvement Loan. If there are other programs available to you based upon the neighborhood in which you live, your household income or the severity of the repair, that offer a lower interest rate and/or a grant component, we will notify you as quickly as possible. These other programs may have additional eligibility, reporting and work specification requirements and may require you to submit additional information for your case to be processed.

• Emergency Home Repair Fund
• The HHQ Energy Home Improvement Loan
• The FlexFund Home Improvement Loan
• NYSERDA Home Energy Loan & Grant
• SNI Neighborhood Programs
• Other Property Repair Programs

Emergency Home Repair Fund

Up to $5,000 is available to make minor emergency repairs to your home. This one-time funding is available for repairs to hot water heaters and furnaces, fixing electrical problems like overloaded electrical circuits, converting fuses to breakers, and installing interconnected smoke detectors and carbon monoxide detectors. Other emergency repairs may also be considered on a case-by-case basis. Home HeadQuarters will help you with the application process and determine your priority needs. This program provides a 50% grant and 50% loan.

Grant funding is made possible through a grant from the
New York State Affordable Housing Corporation.

Funding is limited to $5,000 per property:

• 50% of the costs will be a grant to you that does not have to be repaid (provided you continue to reside in the property for 2 years).
• The other 50% can be paid directly by you or Home HeadQuarters can provide you a loan at 2.99% (4.43% APR) for a term of 7 years.

Requirements:

You must live in Onondaga County and be current on your taxes and water bill. You must own your home and provide us with a copy of your deed and homeowners insurance. Your household must be income eligible and to verify, you must provide: 3 paystubs 2 years of tax returns 3 months of bank statements

Family Size Your Income MUST be BELOW: 1 $36,900 2 $42,150 3 $47,400 4 $52,650 5 $56,900 6 $61,100

Download the Application

FUNDS ARE LIMITED SO APPLY TODAY!

The HHQ Energy Home Improvement Loan

Get the benefits of a Home Equity Loan without the Home Equity! This loan is ideal for new homeowners who either lack equity in their home or fall just below bank credit requirements. This no hassle, low rate, quick loan is perfect for minor to moderate home energy repairs or renovations. These repairs typically include insulation, furnace, and hot water tank improvements.

Other information:

• No appraisals required
• Low fixed payments
• Flexible terms
• No contractor bid requirements
• Your choice of contractor
• Home Inspection may be required
• No early payment penalty
• Auto-pay available
• Interest deductible (check with your tax accountant)
• Home improved must be primary residence

Apply Online (Currently Down for Maintenance) | Application

The FlexFund Home Improvement Loan

Get the benefits of a Home Equity Loan without the Home Equity! This loan is ideal for new homeowners who either lack equity in their home or fall just below bank credit requirements. This no hassle, low rate, quick loan is perfect for minor to moderate home repair or renovation.

Other information:

• No appraisals required
• Low fixed payments
• Flexible terms
• No contractor bid requirements
• Your choice of contractor
• Home Inspection may be required
• No early payment penalty
• Auto-pay available
• Interest deductible (check with your tax accountant)
• Home improved must be primary residence

Apply Online (Currently Down for Maintenance) | Application

NYSERDA Home Energy Loans & Grants

This loan program is specifically targeted to make your home more energy efficient. NYSERDA Energy Loans "buy down" your standard interest rate of 7.99% to 3.99% for eligible energy improvements! Based on your household income, you may also be eligible to receive a grant of up to $5,000, which you can match with a loan or your own funds.

Any owner-occupant in Central New York can apply for this loan program as long as your utility carrier is National Grid or NYSEG.

Type of Loan:	Fixed rate
Interest Rate:	3.99% (4.571% APR - Annual Percentage Rate)
Loan Amount:	Up to $15,000
Income Eligibility:	No requirements for the Energy Loan. Click here for income limits for the Energy Grant.
Loan Restrictions:	Home must be owner-occupied
Property Taxes:	Must be current
Lending Area:	Central and Upstate New York

Other information:

• No income eligibility requirements for loan
• Available throughout Central New York
• Matching grant of up to $5,000 available to income eligible households
• Energy Audit required
• Homeowner must utilize Home Performance-Certified Contractor
• Inspection required with grant
• Interest deductible (check with your tax accountant)
• Home improved must be primary residence
• Approved energy repairs only. Check Eligible Measures by calling Home HeadQuarters for a complete listing or visiting www.nyserda.ny.gov/residential
• Must use one of the listed participating Energy Providers:
  • Central Hudson Gas & Electric Corporation
  • Consolidated Edison Company of New York, Inc.
  • New York State Electric and Gas Corporation
  • National Grid
  • Rochester Gas and Electric Corporation
  • Orange and Rockland Utilities, Inc.

TO APPLY, please submit the following:

1. NYSERDA Energy Improvement Loan & Grant Program Request for Service form (signed & dated).
   
   
2. Copy of the recorded deed to your home. The home must be owner-occupied, and your property taxes must be current.
   
   
3. Proof of income for all members who reside in the household (i.e., 3 recent pay stubs; benefit letter for SSI, Social Security, pension, unemployment, disability, etc.).
   
   
4. Copy of federal tax returns from the last 2 years (if filed).
   
   
5. Copy of declarations page of homeowner's insurance stating current policy period.
   
   
6. Copy of picture ID (i.e., driver's license).
   
   
7. Copy of utility bill.
   
   
8. Bank Statements from the last 3 months.

*Annual Percentage Rate

Apply Online (Currently Down for Maintenance) | Application