Low-interest loans and foregivable liens to homeowners for home improvements Financial counseling from HUD certified housing counselors Construction managers guide homeowners through the project

Offers a deferred loan up to $20,000 to cover the expenses associated with home repair to income eligible homeowners

Provides home repair grants and loans through New York State and NYSERDA to help increase a home's energy efficiency.

Offers homeowners loans of up to $10,000 at 3% interest, payable over 7 years, to be used for exterior home improvements. Eligible repairs include roof repair or replacement, exterior painting, step replacement, porch repair, window replacement, exterior door replacement, driveway repair, and fence installation and repair.

Offers homeowners loans of up to $10,000 at 1% interest, payable over 7 years, to be used for exterior home improvements. Eligible repairs include roof repair or replacement, exterior painting, step replacement, porch repair, window replacement, exterior door replacement, sidewalk replacement, driveway repair, and fence installation and repair.

Volunteers help the elderly, handicap and low income families with major home repairs such as roof repair, heating, hot water heaters and ramp construction.

* Provides housing rehabilitation services for existing homeowners. Typical repairs include: Roof replacement Bathroom replacement Interior and exterior painting for lead stabilization Upgrades to heating, plumbing, or electrical systems Septic system replacement

Provides assistance to income-eligible households through housing rehabilitation programs and first-time home buyer programs. Advocates to eliminate housing discrimination due to race, color, sex, religion, familial status, disability, or national origin.

single family mortgages for new or existing homes for very low to moderate income households in rural areas home repair loans and grants for very low-income applicants unable to obtain credit from traditional lending facilities; mobile home owners must own the land on which the home sits to improve or modernize a home, make it safer or more sanitary, remove health and safety hazard community loans and grants for water and sewer, fire halls, fire trucks/ambulances; day care centers, community-based centers, town halls, libraries rural business enterprise grants housing preservation grants elderly and family housing complexes for low-income residents business and industrial loans

Provides funding to repair existing owner-occupied housing on first-come-first served.

Offers homeowners loans of up to $10,000 at 1% interest, payable over 7 years, to be used for interior and exterior home improvements.

Provides home improvement loans for the elderly and low income homeowners residing in Babylon Town.

Home Rehabilitation provides grants for home modification to increase accessibility for eligible individuals who are disabled.

Builds new homes with low mortgages or does home rehabilitation for working, low-income families. Families helped by Habitat must also volunteer time in helping the organization in one capacity or another.

Provides income eligible Long Island homeowners with resources, deferred grants and low interest rate loans to make necessary repairs and improvements to their homes, based on need and as determined by CDCLI professional housing rehab specialists.

Provides low-interest loans up to $7500 to eligible homeowners to make needed repairs on their homes.

Necessary home repairs through grants to low income families, seniors, veterans and persons with disabilities for owner-occupied single-family homes. Distributed on a first-come, first-served basis. Does Not Cover Cortland County Residents Access to Home grant: helps frail elderly and people with disabilities make exterior and interior modifications to their homes, e.g., installation of ramps, lifts, handrails, expanded doorways for wheelchairs or walkers and adaptive modifications to kitchens and bathrooms. These grants are available to mobile home owners even if they do not own the property on which the home sits. Home grant: No age restrictions; covers a home's interior and exterior. Property is inspected; work is put out to bid to contractors on the approved contractor's list. Lengthy process, but homeowner rarely needs to pay anything. Also covers mobile home replacements for families who own the property on which their current mobile home sits. Gross annual income limits, depend on household size. Affordable Housing Corporation grant: No age restrictions. Bishop Sheen pays 60% of the cost of one major repair; homeowner or another agency pays the remaining 40%. Open to mobile home owners if they own the property on which the home sits.

* Offers down payment and closing cost assistance.* Assists with housing rehabilitation for owner-occupants of one to four family houses. Part of rehabilitation loan program House inspection and job cost estimate Written specifications and bid process Advisement in selection of contractors* Offers affordable loan financing and counseling for housing rehabilitation and home improvement loans for non-bankable owner-occupants.* Offers HUD-certified housing counselors on staff to offer free Foreclosure Prevention counseling.

Help in receiving repairs or preventive maintenance with low-interest and deferred loans availble for eligible home repairs for qualified households.

Offers low-interest rate loans for low income individuals and families who need to repair their homes to help with energy cost, create safe conditions, etc.

Provides and supports moderate rehabilitation of single family housing that is occupied by low and very low income homeowners. Rehabilitation is undertaken to assure decent and safe housing by eliminating building code violations, removing health and safety hazards, bringing housing into compliance with HUD's Housing Quality Standards HQS, abating lead based paint conditions and adapting homes for handicapped accessibility. For eligible homeowners, RUPCO assists with initial work assessment, description, and a budget for work to be performed as well as supervision of construction. Improvements to make homes handicapped accessible also available. Financial assistance with deferred or low interest loans may also be available. Coordination with other housing programs such as Weatherization and HEAP, and County agencies including the Ulster County Department of Social Services and the Ulster County Health Department is provided as needed.

Extensive interior or exterior work, including landscaping, performed to alleviate critical health, life and safety issues or code violations for eligible homeowners in need.

A 24/7 rapid emergency repair grant program called Neighbors Helping Neighbors. These grants are up to $1,500 for quick emergency repairs.

Helping people with disabilities and businesses make their homes/business spae ADA accessible.

Provides assistance by helping people receive funding from New York State to make disability-related modifications to their home by coordinating the needs and services of the architect and builder, and supervise the entire project. Projects include ramps, new bathrooms, kitchen adaptations, wider doorways, automatic door openers, chair or bed lifts, and even the conversion of entire rooms or additions.