Housing

Resources for Homeowners

Home Affordable Refinance Program (HARP)

If you're not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through the Home Affordable Refinance Program (HARP). HARP is designed to help you get a new, more affordable, more stable mortgage. HARP refinance loans require a loan application and underwriting process, and refinance fees will apply.

HARP application


 

Disabled Homeowners Exemption (DHE)

Provides a property tax exemption to disabled owners of 1, 2, and 3 family houses, condominiums, or cooperative apartments. To be eligible, at least one owner has to have documented physical or mental disability that is not caused by alcohol or drug use, the income of the owners and their spouses combined cannot exceed $37,399, and the property must be the owners primary residence.

More Information on DHE


 

Star Exemption Program

The New York state Department of Taxation and Finance offers this program. The Basic and Enhanced STAR benefits save most New York homeowners hundreds of dollars. If you're eligible, you'll receive a check for the amount of your STAR savings. Find out more and how to register on the website or by calling.

Phone: 518-457-2036

Star Exemption Program Website