Home Repairs

Are you a homeowner or a landlord in need of financing for emergency repairs? The Bronx NHS can help! Bronx NHS has Home Repairs Grant/Loan programs for: (1) Owner occupants of 1-4 family homes; and facilitate loans for (2) Owners of 5-20 residential units or mixed-use properties. In general, Bronx NHS provides approvals on Home Repairs/Emergency grants/loans within 7 business days from time of application.

The Home Repairs/Emergency Grant/Loan for 1-4 Unit Owner Occupants provides homeowners with loans and grants to repair water main, boiler, sewer lines, sidewalk violation, roof, plumbing, electrical and eliminate conditions dangerous to health and safety. Other emergency repairs may apply. Currently the maximum conditional grant/loan amount is $10,000, or $5,263 dollars per unit.

To apply, please follow the steps below: 

Step 1: To get started, complete the intake/application form below, attach all required documents and mail of bring to the office the completed and signed intake form to us.
Click here for: Intake/Application form
Mail completed intake and required documents to:

Bronx Neighborhood Housing Services CDC, Inc.

Att.: Homeowner Services

1451 East Gun Hill Road, 2nd Fl.

Bronx, NY 10469

Step 2: Obtain 2-3 contractors’ estimates from licensed and insured contractors within New York State.

Attach the following documents you will need to complete your loan application:

  • Proof of Ownership
  • Proof of Income
  • Proof of Homeowner’s Insurance
  • Real Estate Tax statement
  • Most recent Utility receipts (water, electricity, gas, telephone)
  • 2-3 Contractor’s estimates
  • Non-refundable application fee

Step 2: Make an Appointment with an Loan Officer

Step 3: The Loan Process

If your Loan Officer determines that you qualify for the loan/grant as per existing guidelines he/she will instruct your contractor to submit directly to the Bronx NHS Loan Officer their license, Liability Insurance and Workers Comp Insurance. Upon approval of your loan application by the loan committee, your Loan Officer will notify you of the closing. At the closing you will agree to the repayment terms of the Loan/grant and authorize the Bronx NHS to pay your contractor on your behalf from the loan/grant proceeds. When your contractor has completed the work, the Bronx NHS will perform a final inspection. Once the Bronx NHS Construction Planner indicates that the work is complete and the borrower signs off on the payment, the contractor is paid 90% of the project costs. 30 days later the contractor will receive the remaining 10%.

The conditional grant funds is made possible through a $400,000 dollars grant approved by the NYS Affordable Housing Corporation (AHC).  The government loan fund is coming from NYC – HPD and private funds come from NHS of New York City, which manages the loan fund program.

Bronx NHS Home Repair Grant/Loan Eligible Renovations

(This list is not intended to be all inclusive. If you are unsure as to whether any proposed repair is not covered by this list, please contact your Homeowner Advisor/Loan Officer.)

Structural alterations and reconstruction.
e.g., repair of structural damage (Foundation), and chimney repair.

Elimination of health and safety hazards including the resolution of defective paint surfaces or lead based paint problems on homes built prior to 1978.

Reconditioning or replacement of plumbing including connecting to public water and/or sewer system, heating, and to bring electrical systems to code.

Roofing, gutters and downspouts.

 

Energy conservation improvements.
e.g., new double pane windows, steel insulated exterior doors, insulation, caulking and weather-stripping, etc.

Improvements for accessibility to a Disabled Person.
e.g., remodeling baths for wheelchair access, installing wider doors and exterior ramps, etc.

Non-Eligible Renovations

Luxury items and improvements that do not become a permanent part of the real property are not eligible as a cost of renovation.

The items listed below (not limited to this list) are not acceptable under the Remodel New York Program, including the repair of any of the following:

  • Barbecue pit; bathhouse; dumbwaiter; exterior hot tub; sauna or spa; outdoor fireplace or hearth; photo mural; installation of a new swimming pool; gazebo; television antenna; satellite dish; tennis court; tree surgery; and
  • Additions or alterations to provide for business/commercial use.

 

Facilitated Loan Program

In addition to our own program, Bronx NHS facilitate loans for multi units building (5 to 20 units)