Home Improvement Loans
We loan you the money for your project at terms you can afford

Project Management
We provide expert advice during all phases of your construction project

Energy Smart™ Loans
We have special low interest loans for energy improvements

Assisted Home Performance Program
NYSERDA, the state energy agency, pays half the cost of some energy improvements

Mini-Repair
We do small but important repairs at a very low cost

Lead Paint and Your Home
We inspect for deteriorated paint and make sure it is taken care of safely

In addition to the low-interest Energy Smart™ loans for homeowners who want to weatherize their home, some people may also qualify for NYSERDA's Assisted Home Performance program. If you qualify, NYSERDA will pay half of the cost of the energy related improvements.

Qualifying improvements include:

The maximum subsidy is $5,000 per unit. The work is conducted by certified contractors who test your house before and after to ensure that the improvements are effective and safe.

Sample Energy Smart Loan with an Assisted Home Performance Subsidy

A customer wants to insulate their house. The work costs $6,000. NYSERDA pays $3,000; they borrow the remaining $3,000 @ 2% for 5 years through the Energy Smart™ loan program. Their loan payments are $52/month; their estimated savings on their gas bill is $90/month*. They are more comfortable and save $38/month!

* Savings are estimates only; your actual savings may be different.

If your home needs other repairs, you may qualify for a regular home improvement loan.

Assisted Home Performace Subsidy Details
Type of Loan	Not a loan. It is a one-time subsidy.
Subsidy Amount	$5,000 maximum
Eligible Properties	One- or two-family owner-occupied homes.
Lending Area	Anywhere in Tompkins County
Income Eligibility	There are income requirements. Contact INHS for details.

Funding for these loans comes from NYSERDA, the New York State Energy and Development Authority. These subsidies are restricted to households that fall within certain income limits. These limits are based on the combined annual income of all household members and vary according to the number of people in each household. Call INHS for details.

Questions?
Contact Diana Garcia at dgarcia@ithacaNHS.org.

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