Home Improvement Loan Program 

Interest Rates as Low as 1.00% for eligible homeowners 

The University Neighborhood Home Improvement Loan is an affordable way to quickly access the money you need to make interior and/or exterior home renovations and repairs — even if you have built little or no equity in your home. 

This loan program offers you: 

• Financing up to $25,000

• No income requirements 

• Low interest rates and closing costs 

• Low fixed payments 

• No pre-payment penalty 

• Your choice of contractor (must have general liability and worker’s comp insurance) 

• Most exterior home renovations are eligible 

You are eligible for this program if you: 

• Own and occupy a property in the boundaries of the UNPA Target Area (link to target area) 

• Are current on your property taxes and water bills 

How to apply? 

APPLICATION Link 

Apply today by completing the attached application. The process can start in as little as 24 hours if you make sure to also include the following documentation: 

• Recorded deed to your home 

• Current homeowners insurance stating period covered and amounts of coverage 

• Proof of income for applicant (copies of three current consecutive pay stubs, SSI benefit letter, social security, pension, unemployment, etc.) 

• Previous year’s federal tax return (if filed) 

• Driver’s license or other form of picture identification  

• Lead test results for children under 7 who reside in the home 

Home Improvement Loan Inspection Services 

Home HeadQuarters, Inc. can provide home improvement loan inspection services for UNPA Home Improvement Loan customers. Inspection services conducted by trained inspection staff can include the following: 

• Review of work specification provided by contractor 

• On-site inspection of work in progress 

• On-site inspection of work completed 

• Required sign off by contractor, homeowner and inspector of project satisfaction for final payment 

Mail, drop-off, email, or fax your application to: 

Home HeadQuarters, Inc. 

625 Erie Boulevard West, Syracuse, NY 13204 

Fax: (315) 474-0637 

Phone: (315) 474-1939 

Email: info@homehq.org