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You can make your home more comfortable, save money and help protect the environment with the NHS NYSERDA loan program. NHS is a participating lender with New York State Energy Research and Development Authority (NYSERDA), which provides interest rate subsidies for approved energy efficiency home improvement projects. The NYSERDA subsidy means an interest rate reduction of 4-6.5% on your home improvement loan from NHS. In addition to the interest rate subsidy, NYSERDA also provides grants to qualified low and moderated income homeowners to cover up to 50% (Maximum of $5,000 household or $10,000 for 2-4 family homes) of the costs of approve energy saving improvements. Click here for income limits.
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Neighborhood Housing Services provides loans to homeowners for moderate interior and exterior repairs. Typical projects include roof repair, bathroom and kitchen renovation, electrical and plumbing upgrades, refurbishing of windows, walls and doors, and interior and exterior painting. You may be eligible if you own a house or apartment building from one- to four-units. Loan amounts range from $5,000 to $50,000. A construction services staff person will be assigned to your project to guide you through the process from preparing the scope of work to completion.
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Programs & Services 
