NYS RESILIENT RETROFITS - HOME HEADQUARTERS | HOME HEADQUARTERS, INC.

Up to $50,000 in a combination low-interest loan with matching grant for resiliency measures that will fortify the home to protect against future flood and rain damage Loans are at a 3% simple interest rate and are payable over 5 or 10 yearsGrant portion, of up to $25,000, is considered a deferred loan through the term of the loan and forgiven once the terms of the loan are satisfiedHomes located in Extreme Risk Areas, Floodways and Coastal Erosion Zones may not be eligible to participate and/or may require additional reviewHomeowners choose their own properly insured and certified contractor(s)Household income must be at or below 120% of HUD median income [examples of income levels: Onondaga County, Broome County, Erie County, Chemung County]No minimum credit score required, but homeowner must be current on mortgage and taxes and have no bankruptcy within last two yearsPrimary residences onlyOwner-occupied, 1-4 unit buildings allowed50% of the loan/grant proceeds must be used for resiliency measures that will fortify the home to protect against future flood and rain damage. See examples of eligible flood mitigation repairs here.

09/04/2025