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Programs Info & Application

NRDC’s Housing Grant Programs

North Country Rural Development (NRDC) is dedicated to enhancing the quality of life for residents in Essex, Washington, and Warren counties by offering comprehensive housing grant programs. These programs are specifically designed to assist low to moderate-income individuals and families, ensuring they have access to safe, decent, and affordable housing. Our initiatives cover a range of needs, from major home rehabilitations and emergency repairs to mobility modifications and the replacement of dilapidated mobile or manufactured homes. We prioritize vulnerable populations such as families with young children, the elderly, and low-income households.

Housing preservation is critically important in rural areas where housing stock can be limited and often older, requiring significant maintenance to remain habitable. By preserving and improving our existing housing stock, we not only enhance public health by addressing safety hazards and improving living conditions but also ensure the long-term stability and resilience of our communities. Effective housing programs reduce the need for more costly interventions in the future and support the overall well-being of residents.

We proudly support Minority and Women-owned Business Enterprises (MWBEs) and Section 3 contractors, encouraging them to apply and participate in our programs. NRDC is a non-discriminatory employer and strictly adheres to fair housing practices, ensuring equal opportunities for all applicants and participants. Our commitment to fair housing underscores our mission to foster inclusive and equitable communities.

NRDC’s Tri-County HOME Program

NRDC’s Tri-County HOME Program funds owner-occupied home rehabilitation and lead-based paint abatement for low to moderate-income residents of Essex, Washington, and Warren counties. This grant is for major home rehabilitation, with a spending cap that increases when performing lead abatement.

Eligibility:

  • Households with incomes at or below 80% of the area median income.
  • Families with young children, the elderly, and low-income residents of Essex, Warren, and Washington counties are encouraged to apply.

Program Overview:
The New York State HOME Program, administered by the New York State Housing Trust Fund Corporation (HTFC), uses federally allocated HOME Investment Partnership Program funds to expand the supply of decent, safe, and affordable housing within the state.

More Information: New York State HOME Program

NRDC’s Tri-County RESTORE Program

The Tri-County RESTORE Program funds emergency home repairs for owner-occupied homes of residents aged 60 and above in Essex, Washington, and Warren counties. It also assists with mobility modifications to help residents age in place and eliminate health and safety hazards.

Eligible Activities:

  • Emergency repairs or code violations that pose an immediate threat to the life, health, or safety of the elderly homeowner.
  • Mobility modifications.

Eligibility:

  • Must own and occupy the residence as the primary home.
  • Must be 60 years or older.
  • Household income not to exceed 100% of the area median income.

Program Goal:
To enable seniors to continue living independently in their homes by addressing emergencies and code violations.

More Information: RESTORE Program

NRDC’s AHC Program

The AHC Program funds owner-occupied home rehabilitation for low to moderate-income residents of Essex, Washington, and Warren counties. While awaiting the result of our funding application, we encourage you to apply to be placed on our waiting list.

Program Goals:

  1. Promote home ownership among low- and moderate-income families.
  2. Stimulate community development, stabilization, and preservation of New York communities.

Manufactured Home Replacement Program (funded by HOME, CDBG, NYS MMHRP)

This program assists low- and moderate-income homeowners in replacing dilapidated mobile or manufactured homes on land they own with a new manufactured, modular, or site-built home.

Eligibility:

  • Property must be the primary residence, sited on land owned by the homeowner.
  • Household income not to exceed 80% of the area median income.

Eligible Costs:

  • Demolition, removal, and disposal of dilapidated units.
  • Purchase and site prep for the new unit.
  • Temporary relocation assistance.
  • Permitting, environmental review, and testing.

Links:

https://hcr.ny.gov/mobile-manufactured-home-replacement-program-mmhr

https://hcr.ny.gov/nys-home-program

https://hcr.ny.gov/community-development-block-grant

Community Development Block Grant (CDBG) Home Rehabilitation Program

NRDC currently administers programs for both Washington and Essex counties.

New York State’s CDBG Program supports community development activities to build stronger and more resilient communities. Activities may address infrastructure, economic development projects, public facilities installation, community centers, housing rehabilitation, public services, clearance/acquisition, micro-enterprise assistance, code enforcement, homeowner assistance, etc.

https://hcr.ny.gov/community-development-block-grant

For assistance with the online application, please call our office at 518-585-6366. We are also happy to mail you a paper copy.

If you have any questions or need further information, please feel free to contact our office.

Application Form

Before you begin

Applications are reviewed for eligibility on a first-received basis. To avoid landing in NRDC’s waiting list, please get your completed application in as soon as possible.

NOTE: You must select your specific application from the list at the bottom of the form. If you are unsure, please take a moment to review the Programs Information above. If you still have questions, feel free to give us a call at 518-585-6366 – we’re here to help.

In order to complete this form you must be prepared to upload the documents listed below. You cannot submit the form without them. Please take the time to assemble the necessary documentation before you begin. If you have any questions, don’t hesitate to contact us.

If you do not need a copy of a document (mortgage, for example) you MUST upload an empty file.

Required Documents

  • A SIGNED copy of your last 2 years Federal Income Tax return and all applicable schedules with the W-2s.
  • Proof of any other income (including but not limited to annual social security statement from the Social Security Office, annual SSI statement from SSI office, pensions, unemployment benefits, welfare, child support, alimony, etc.).
  • The deed or recorded life use document to your poperty.
  • Latest property tax bills & receipts showing paid (County, City, School). (Property taxes must be current)
  • Proof of homeowner’s insurance.
  • Bank Books and latest bank statements for all checking and savings accounts, stocks and bonds, and certificates of deposit, and proof of all asset income for all household members.
  • Mortgage Statement, if mortgage/s on property as applicable.

Please fill out this form on a PC (not your phone) where you have access to the required documents.

Privacy Act Notice

This information in this application is to be used by the entity collecting it or its assignees in determining your qualifying for rehabilitation assistance under its program(s). It will not be disclosed outside the agency except as rquired by law. You do not have to provide this informatio, but if you do not your application for approval as a recipient under its program(s) may be delayed, limited, or rejected.

Non-Discrimination Policy

Federal and State Law prohibit discrimination on the basis of age, sex, race, national or ethnic origin, handicap or familial status. The Village of Tupper Lake is committed to serving its community without discrimination, and will comply with all rules and regulations regarding Fair Housing, Equal Opportunity, and Minority and Small Business Participation. The following data is for statistical purposes only and will not be used by any local, state or federal agency in making decisions regarding assistance.

Fair Housing Policy

North Country Rural Development Coalition is committed to ensuring fair housing and equal opportunity in all our programs and projects. We affirmatively further fair housing (AFFH) by striving to engage Minority and Women-Owned Business Enterprises (MWBEs), Section 3 businesses, and Service-Disabled Veteran-Owned Businesses (SDVOBs). We comply with all HUD regulations to promote inclusion and equal access.

For specific language on affirmatively furthering fair housing (AFFH), see: 24 CFR Part 5.150-5.180 – Affirmatively Furthering Fair Housing

For MWBE and Section 3 requirements, see: 24 CFR Part 135 – Economic Opportunities for Low- and Very Low-Income Persons (Section 3)

Housing/Residential Application - All-in-One

Applicant Info

Sex of Head of Household
Is any member of household handicapped
Is any member of household disabled

 

 

Earned Income (Include employment and self-employment income for all household members for the last tax year).

 

Assets

Bank CHECKING Account
Bank SAVINGS Account

 

Debts - Please list your debts and amounts: mortgage installment accounts, auto and other loans.

 

About the House

Have you owned and occupied your residence for one year or longer?

 

 

Foundation's Condition

 

Roof's Condition

 

Exterior's Condition

 

Door Condition

 

Window Condition

 

Plumbing Condition

 

Panel Type

 

 

 

How would you typify yourself

The following information is requested by the Federal Government in order to monitor compliance with Federal Laws prohibiting discrimination against applicants seeking to participate in this program. You are not required to furnish this information, but are encouraged to do so. This informatin will not be used in evaluating your application or to discriminate against you in any way. However, if you choose not to furnish it, we are required to note the race/national origin of individual applicants on the basis of visual observation or surname.

 

Agreement

I (we) hereby apply for Rehabilitation financial assistance from NRDC for funds toward the cost of improvements to our existing owner-occupied home. I (we) have read the accompanying Handbook and if selected, agree to sign a note and mortgage for the amount of the grant provided to me (us) for (our) home.

 

Authorization & Consent

I (we) hereby certify that the above statements are true, accurate, and complete to the best of my (our) knowledge and belief. False statements made knowingly by the applicant will disqualify the applicant from participation in the program and may be subject to prosecution. I (we) hereby consent and authorize NRDC and its authorized agent(s) to: (a) obtain verification of information required for compliance with the regulations of this program, including expenses, employment, property appraisal, and contractor estimates; (b) upon giving reasonable notice, to enter the applicant’s property for the purpose of determining what improvements are needed and to inspect completed work. (c) to disclose the information contained in my/our confidential file to nonprofit organizations or unaffiliated third parties involved in community development, that this information may be used in an attempt to secure funding for my home.

 

Required Documentation Checklist

The following documents MUST be submitted with your application as outlined in the Rehabilitation Handbook, Section H.

 

Federal Income Tax Returns

Maximum file size: 516MB

 

Payroll Stubs

Maximum file size: 516MB

 

Proof of any other income

Maximum file size: 516MB

 

Property Deed

Maximum file size: 516MB

 

Tax Bills

Maximum file size: 516MB

 

Homeowner's Insurance

Maximum file size: 516MB

 

Bank Statements

Maximum file size: 516MB

 

Mortgage Statement

Maximum file size: 516MB

 

Which Program are you applying for? If unsure, read the info above, or give us a call: 518-585-6366

Select Your Program