What is the Amnesty Program?
Amnesty is the City’s policy, effective January 25, 2010, to forgive mortgage loans made with New York State Office of Community Renewal and the United States Department of Housing and Urban Development, Community Development Block Grant (CDBG) funds for home purchases for low to moderate income households. The amnesty policy enables the City to release its lien on any owner-occupied property where the note is older than 5 years. On notes that are less than 5 years in maturity, the City will suspend payment requirements and reduce the amount of debt owed by 20% per year until year 5, when the note will be forgiven.

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1. Does the City have funding for home repairs and/or emergency renovations?
2. Is there a waiting list for City funding?
3. Are there other housing resources for City residents?
4. Is there anything to assist with first-time homebuyers?
5. What is the Amnesty Program?
6. How do I know if I am eligible for amnesty?
7. Is there a fee to apply for amnesty?
8. What is mortgage subordination?
9. How do I apply for mortgage subordination?
10. What resources can help with my utility bills?
11. Are there specific resources for seniors?