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MVCAA is able to help homeowners with home repairs and improvements!

MVCAA is able to help homeowners with home repairs and improvements!

Mohawk Valley Community Action Agency, Inc. (MVCAA) is able to help homeowners with home repairs and improvements!  Through two different programs, the AHC Home Improvement Program and RESTORE, homeowners in Oneida and Herkimer Counties may be eligible for financial assistance with major repairs to their homes.  Homeowners may apply for assistance by contacting MVCAA at 315-624-9930.

 

AHC Home Improvement Program:  MVCAA is able to assist homeowners with funds from the NYS Affordable Housing Corporation with repairs and improvements to their homes.  MVCAA can fund up to 60% of a total project cost for single family homeowners in Oneida and Herkimer Counties.  These projects must be for necessary repairs and improvements to systems and structures, such as, roofs, foundations, windows/doors, electrical plumbing, heating, cooling, accessibility modifications, lead and mold remediation.  The homeowner must be able to contribute the remaining cost of the entire project from other sources.  Eligibility criteria is as follows: 

  • Property must be owner-occupied, single family located in Oneida or Herkimer County
  • Household income must be determined to be at or below 112% of the Area Median Income (Please see chart below)
  • Household assets cannot exceed $15,000
  • Property taxes, mortgage (if applicable) must be current
  • Must maintain homeowners insurance coverage and flood insurance (if applicable)
  • A lien in the form of a forgivable loan is required for a period of 2 to 10 years (depending on funding level) after which the loan is forgiven.  The lien is placed on the subject property as a guarantee for the loan.  If the primary residence is not maintained during this period, funds will be recaptured by MVCAA.
AHC Home Improvement Program Income Guidelines
Household Size 1 2 3 4 5 6 7 8
Income 80% AMI $37,632 443,008 $48,384 $53,670 $57,971 $62,272 $66,573 $70,874

 

RESTORE (Residential Emergency Services To Offer Repairs to the Elderly):  This program assists elderly homeowners in Oneida and Herkimer County to pay for the cost of emergency repairs to eliminate conditions in their homes that pose a threat to the life, health, or safety of the elderly occupant(s).  Emergency repairs may include, but are not imited to, heating repair/replacement, roof, foundation, plumbing, septic, well, accessibility modifications, etc.  Eligibility criteria is as follows:

  • Owner-occupied, one- to four-unit dwellings located in Oneida or Herkimer County
  • Household income must be determined to be at or below 80% of Area Median Income (Please see chart below)
  • Property taxes, mortgage (if applicable) must be current
  • Must maintain homeowners insurance coverage and flood insurance (if applicable)
  • A lien in the form of a forgivable loan is required for a period of 3 years, after which the loan is forgiven.  The lien is placed on the subject property as a guarantee for the loan.  If the primary residence is not maintained during this period, funds will be recaptured by MVCAA.
RESTORE Income Guidelines
Household Size 1 2 3 4 5 6 7 8
Income 80% AMI $33,550 $38,350 $43,150 $47,900 $51,750 $55,600 $59,400 $63,250

 

Call 315-624-9930 to set up an appointment to see if you may be eligible.

9882 River Road, Utica, NY 13502 Phone: (315) 624-9930 DonateDonate