HOME IMPROVEMENT PROGRAMS
All homes need maintenance and West Side & Black Rock-Riverside NHS offer a variety of programs to finance home repairs for borrowers of all income levels . We offer low-interest, interest-free and deferred loans to help with home repairs, with rates and interest varying depending upon the specific program for which a homeowner qualifies.
Green Options: We work to incorporate and encourage programs through NYSERDA. NYSERDA offers free home energy assessments, grants and financing options for home energy improvements to income-qualified homeowners. Our Home Improvement Loan can be used for energy-efficient doors, windows, and other improvements not covered by the NYSERDA grant.
HOME IMPROVEMENT LOANS
Services for all loans include inspections and construction monitoring to make sure our customers get the best work for their money.
- The home must be owner-occupied
- The home must be a one- to four-family dwelling
- You must be current on property taxes, water bill and user fees
- The home must be located west of Main Street in the City of Buffalo*
- Please note: specific qualifications for different loan products vary
*Although this represents our general service area, our Roof Repair & Replacement program is available to any owner-occupants living within the City of Buffalo.
The loan includes the cost of repairs plus closing costs. Closing costs include a title search, mortgage tax, recording fees, origination fees and construction monitoring fees. When we approve your loan, you'll also receive construction monitoring services from our construction specialists to ensure contractors complete work correctly and for a reasonable price.
We work with you to determine a reasonable payment, and we give priority to repairs that address building code violations, emergency conditions, and health and safety issues.
TO APPLY PLEASE CONTACT: