Housing Rehabilitation Grant Programs

Thank you for your interest in Snow Belt’s Housing Rehabilitation Grant Programs.  The following information will acquaint you with many of our programs available.  This is meant to be an overview, not a definitive presentation of the Program’s policies.  A GENERIC HANDBOOK and APPLICATION for all these programs are available online.  Questions concerning the programs should be directed to the Snow Belt Housing Company, Inc., 7500 S. State Street, Lowville, NY  13367.  Phone 376-2639.

NYS HOME and North Country HOME Consortium

Assistance is available to Lewis County residents with household income at or below 50% of County Median Income (see chart below).  The purpose of these programs is to correct substandard housing conditions and to improve the health, safety and energy efficiency of the home.  Grant money is not intended to be used for improvements that only make the house look nicer or make it more convenient. Income-eligible homeowners may receive grants that cover the cost of repairs.  The grant amount is based on the total cost of repairs.  Generally 100% of the cost of repairs can be covered by grant funds by combining several sources.  Applicants with the greatest need and the lowest income will be served first.

Lewis County CDBG Rehab

Assistance is available to Lewis County residents with household income at or below 80% of County Median Income (see chart below).  The purpose of these programs is to correct substandard housing conditions and to improve the health, safety and energy efficiency of the home. Grant money is not intended to be used for improvements that only make the house look nicer or make it more convenient. Income-eligible homeowners may receive grants that cover the cost of repairs.  The grant amount is based on the total cost of repairs. One hundred percent of the cost of repairs may be covered by grant funds by combining different sources; however, if the cost of repairs exceeds the amount of grant funds available, you may be able to borrow additional funds from a municipal Revolving Loan Fund.

Affordable Housing Corporation Home Improvement Program

Assistance up to $9,000 is available to Lewis County residents with household income at or below 80% of County Median Income (see chart below).  As with the above-mentioned programs, the purpose of this program is to correct substandard housing conditions and to improve the health, safety and energy efficiency of the home.  The grant amount is based on the total cost of repairs but may not exceed $9,000 or 60% of the total cost of repairs, whichever is greater.

Revolving Loan Programs

The Snow Belt Housing Company, Inc. administers five Revolving Loan Funds on behalf of municipalities in Lewis County: 

·         Village of Lowville

·         Village of Croghan

·         Village of Lyons Falls

·         Town of Martinsburg

·         Lewis County

All five funds are capitalized by loan repayments from previous Community Development Block Grant programs. The funds continue to operate with the proceeds from loans repaid by borrowers. Loans from the Lewis County Revolving Loan Fund are serviced by Snow Belt Housing. Programs are available for both homeowners and rental property owners.  Applicants must have a household income no greater than 80% of County Median Income (see chart below).

Income Limits