SHARP Grants (Syracuse Homeowner Assistance & Repair Program)

SHARP Grants (Syracuse Homeowner Assistance & Repair Program) is sponsored by Home HeadQuarters (funded by U.S. Dept of HUD's Community Development Block Grant Program through the City of Syracuse). SHARP provides income-eligible city of Syracuse homeowners with grants for exterior and/or interior emergency home repairs.

Homeowner Loans & Grants — Home HeadQuarters Rental Property Loans and Grants Bid & Qualification Requests 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 a serious emergency Submit your completed application form immediately along with any supporting documentation that you have on hand! That will allow us to get help started as soon as possible while you work to submit the remainder of your required supporting documents. If you don’t know what program to apply for, print and fill out the application directly below.

HHQ’s underwriting staff will figure out the best program for which you are eligible. Have questions or want to email us your documents? Send everything to info@homehq.

org . FlexFund Home Improvement Loan - Available State-Wide!

City of Binghamton - T-HIP Program CITY OF SYRACUSE LOAN/GRANT PROGRAMS City of Syracuse Urgent Care Tipperary Hill Purchase & Rehab Grant Lily Dale Equity Loan Fund (ELF) Onondaga County Neighborhood Initiative 1% Loan Cicero, North Syracuse, Mattydale, East Syracuse, and city neighborhoods Strathmore, Elmwood and North and South Valley Outer Comstock Neighborhood 1% Loan Resilient Retrofits 50/50 Loan/Grant - Available State-Wide!

Southside-Sankofa District 1% Loan University Neighborhood 1% Loan City of Binghamton T-HIP Program The Binghamton T-HIP, or Targeted Home Improvement Program, provides eligible homeowners with grant assistance of up to $40,000 to make critical home repairs in targeted areas in the city of Binghamton.

Critical home repairs can include roof replacement, addressing code violations, upgrading and improving utilities, foundation repair and more. PROGRAM DETAILS & ELIGIBILITY You must live in the city of Binghamton. You must own and occupy the home as your primary residence.

Your household income must be 80% or lower than the area median income. Grant assistance is provided to complete home repairs, but property owners must maintain the home and repayment may be required if you move or sell your home after the work is completed. Multiple contractor bids are required.

Homeowners Insurance is required. FlexFund provides homeowners throughout New York with loans for home repairs, renovations or energy efficiency-related improvements. There are no income, location or project restrictions with this loan program.

All homeowners are welcome to apply. The loans currently have a 6. 99% fixed interest rate, and are payable over seven (7) years.

No home equity required, no income eligibility requirements, and no upfront costs. Homeowner chooses the contractor. Thank you to our local FlexFund banking partners for making an investment in Home HeadQuarters and CNY homeowners!

Lily Dale Equity Loan Fund (ELF) Lily Dale Assembly homeowners can take advantage of up to $25,000 at a 5. 49% simple interest rate to make needed home repairs including water hook ups and emergency and life/safety repairs. PROGRAM DETAILS & ELIGIBILITY REQUIREMENTS Your Lily Dale Assembly home must be your primary residence.

There are no income eligibility requirements with this program. You must be current on your mortgage and taxes. Must meet minimum credit criteria (640 credit score/45% DTI).

Onondaga County Neighborhood Initiative: 1% Exterior Home Improvement Loan Program The Onondaga County Neighborhood Initiative offers homeowners in Cicero, North Syracuse, Mattydale, East Syracuse, and city neighborhoods Strathmore, Elmwood and North and South Valley loans up to $10,000 at 1% interest, payable over seven (7) years. The loans can be used for exterior home improvements.

This program is offered through a partnership between Home HeadQuarters and Onondaga County.

Roof Repair or Replacement Exterior Door Replacements Fence Installation or Repair Map of Eligible Neighborhoods: Cicero, North Syracuse, and Mattydale Map of Eligible Neighborhoods: East Syracuse Map of Eligible Neighborhoods: Strathmore, Elmwood, North and South Valley Outer Comstock Neighborhood: 1% Home Improvement Loan Program Home HeadQuarters, in partnership with the 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.

Offers loans of up to $10,000 Loans are payable over seven (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) NYS Resilient Retrofits 50/50 Loan/Grant Program New York State homeowners can now take advantage of up to $50,000 in a 50/50 loan/grant program to undertake flood mitigation measures and other climate-ready improvements to their homes including energy upgrades.

To see if you’re eligible for this program, for more program information and to download an application, visit the NYS Resilient Retrofits 50/50 Loan/Grant Program page here! Syracuse Homeowner Assistance & Repair Program SHARP provides income-eligible city of Syracuse homeowners with grants of up to $3,000 for exterior and/or interior emergency home repairs.

This program is made possible with funding from the U.S. Dept of HUD’s Community Development Block Grant Program (CDBG) through the City of Syracuse.

PROGRAM DETAILS & ELIGIBILITY REQUIREMENTS Projects must address exterior or interior emergency home repairs, such as: window repair/replacement, hot water heaters, furnace repair, exterior door repair/replacement, step/railing repair, electrical or plumbing emergencies, etc. You home must be located within 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 bill must be current. The home must be your primary residence. ***The SHARP Program is available on a first come, first served basis.

Receipt and/or submittal of a SHARP application in no way guarantees funding or service. SHARP grants are not secured until closing and may be surrendered if not used within the funding period. Town of Salina homeowners can take advantage of a home improvement loan of up to $15,000 at a 1% interest rate payable over 7-10 years.

Loans can be used for exterior home improvements like roof, window or siding replacement and/or life/safety/code related home repairs like sewer, foundation or plumbing issues or furnace and hot water tank repair or replacement. The Town of Salina program is a revolving loan fund and offers only a certain number of applications per lending season.

If the program is “currently closed,” it will reopen once enough funds have been paid back into the fund for a good number of homeowners. This program is made possible by the Town of Salina.

Solvay/Geddes Homeowner: 1% Home Improvement Loan Home HeadQuarters, in partnership with Onondaga County and Empire State Development Corporation , is offering Solvay and Town of Geddes homeowners home improvement loans of up to $25,000 at 1% interest, payable over 10 years. The loans can be used for interior and exterior home improvements. Homeowners must be current on their property taxes.

Contractors must be properly insured and if touching a painted surface, have up-to-date RRP certification. City of Syracuse Southside-Sankofa District: 1% Loan Program Home HeadQuarters, in partnership with Southside TNT Neighborhood Beautification , is offering a 1% home improvement loan for exterior repairs for city of Syracuse homeowners who live on the city’s Southside. Now in a Newly Expanded Area!

Offers loans of up to $15,000 Loans are payable over seven (7) years No income eligibility requirements Exterior and/or emergency/health & safety improvements only Homeowners must reside in the property as their primary residence Available for homeowners in the Southside-Sankofa District neighborhood, as shown in the map.

Southside Sankofa District (Click to enlarge) Tipperary Hill Purchase & Rehab Grant The Tipperary Hill New Purchase Rehab Grant Program offers up to a $6,000 grant for exterior property improvements to Tipperary Hill Neighborhood home buyers. Program specifics and eligibility: Program is available for properties that were formerly vacant and/or non-owner occupied.

Owner must occupy the improved property for a period of four years or grant will be considered a home improvement loan payable to Home HeadQuarters. Property must be purchased in the Tipperary Hill Neighborhood (see map). Grant is for exterior property improvements only (must be seen from curb).

Property owner is responsible for securing competitive works bids and acceptable contractor (contractor must be insured including NYS Workers Comp and have EPA Renovator certification and Lead Safe Work Practices certification). Grant does not preclude use of Tipperary Hill Home Improvement Loan funds.

Tipperary Hill Purchase & Rehab Grant eligible area Grant funding made possible by the Tipperary Hill Neighborhood Association Tipperary Hill Neighborhood Association: 3% Home Improvement Loan Program 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 seven (7) years.

The loans can be used for exterior home improvements only (no sidewalks) and homeowners must be current on their property taxes.

Tipperary Hill Neighborhood Map (click to enlarge) University Neighborhood: 1% Home Improvement Loan Program Home HeadQuarters, in partnership with the University Neighborhood Preservation Association , is offering homeowners in Syracuse’s University Neighborhood, loans of up to $25,000 at 1% interest for interior and exterior home improvements.

Offers loans of up to $25,000 Loans are payable over seven (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. University Neighborhood Map (click to enlarge) The Urgent Care program provides income-eligible homeowners who live in the city of Syracuse with financial assistance of up to $25,000.

The financial assistance is a combination loan/deferred loan (grant) with the payback portion determined by a sliding scale based on household income level. This program is for EMERGENCY and HEALTH SAFETY REPAIRS: Leaking Roof, Sewage/Plumbing Leak, Non-Working Furnace, Electrical Emergencies, Foundation Collapse, Ramps, Priority Code Violations and other health/safety issues.

Income-eligible homeowners may receive part of the loan as a deferred loan/non-payback grant. If you qualify, your payback portion is determined by your household income. The non-payback portion of this financial assistance includes residency requirements which are secured with a lien on your home.

You must own and occupy your house in the City of Syracuse . Your repairs must be an emergency and or a health/safety issue, 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 and mortgage must be current. The home must be your primary residence.