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.

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.

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.

Learn more on our Homeownership Education and Counseling page or sign up for our free HomeOwnership Orientation ! Homeownership Orientation is the first part of Home HeadQuarters' HomeBuyer Education Program . Completing the program is one requirement for applying for financial assistance .

Home HeadQuarters serves people throughout New York State, and has region-specific programs available for residents of Western, Central, and Upstate New York. Some programs have eligibility requirements while others do not.