HHQ submits a claim to the NYS Surrogate Office for the balance of our loan; including any deferred monies.

HHQ loans cannot be transferred and must be satisfied at closing with proceeds. Please contact us 10 days prior to your closing for an accurate payoff amount.

HHQ will forward you a letter stating that your loan is paid off, and help you to file a mortgage discharge with your County Clerk's office, which will cost you $51.

If you would like to refinance your first mortgage, the new mortgage holder will want to be in first lien position. Often, HHQ will allow this if your account is current. If your account is current and your subordination request is approved, there is a processing fee payable by check, money order or cashier’s check. If you have any outstanding late fees, they will need to be paid before a subordination request will be approved.

Yes, please feel free to send in additional money to shorten the term of your loan. There is no pre-payment penalty. If you are doing this, please mark your check or money order appropriately as “principal only".

If you are on auto pay and you change banks, we will need to be notified as soon as possible. Once you call the office we will send you an account change form that you will need to complete.

Please call (315) 474-1939 and ask for Servicing or email servicing@homehq.org.

Payments to HHQ should be in the form of a check or money order. HHQ does not accept cash or credit cards in our office.

If you have a bank account, we recommend signing up for auto-pay as a way to conveniently manage your monthly payment. To sign up for auto-pay or learn more, please call the office or email servicing@homehq.org.

HHQ takes our collection efforts very seriously, but we try to work with our customers as much as possible. When delinquency is severe, we utilize the services of an outside collection agency.

No, at closing you will receive payment coupons if you do not sign up for auto-pay.

Yes, Home HeadQuarters' loans (paid and deferred) are secured with a mortgage that you will sign at closing.

Your first payment is still due regardless of the status of the work on your home. This is also stated in your promissory note.

Yes, there are HHQ Programs without income limits. Many may have other limitations, like location. Please contact our office at (315) 474-1939 or info@homehq.org if you have more questions about our programs!

Gross annual household income requirements vary by program, but for many of our programs your household must be at or below 80% of the area median income as determined by U.S. Department of Housing and Urban Development. These limits change each year, and can be found here for Syracuse.

Income eligibility means that your household (everyone who lives in your house) must earn, collectively, below a certain amount of money. Here’s an example of income eligibility limits.

If you received financing through HHQ and all or a portion of that financing has no monthly payment, then you generally have a deferred loan. If you're unsure of whether you have a deferred loan, we recommend you review the documents you received during closing.

This type of financing is considered a loan because we have placed a lien upon your property to secure our interest. It is deferred because no monthly payments are due. The loan only comes due if the house is sold before the end of the term or if the customer no longer lives in the property as an owner-occupant.

Home HeadQuarters has some programs that provide grants to homeowners, homebuyers and investors. These grants are also called deferred loans because should you not meet the requirements of the grant, you might have to pay the grant back. Almost all grant programs have income eligibility requirements and many have residency requirements, meaning you have to continue living at your home for a certain amount of time.

Yes, Home HeadQuarters' loan terms require you to have ongoing homeowners insurance with no lapses for the duration of the loan.

Yes, please check our rental listings on CNY Affordable Realty. If there are none listed, please call us at (315) 474-1939. Income and other restrictions may apply.

Learn more about which of our programs you may qualify for by visiting our lending page . If you're still unsure which program to apply to, complete any application and we'll connect you with the best program for you. You can also stop by our office to pick up an application.