At a glance
From its website, read 2 Nov 2026Home Headquarters, Inc. is a loan fund based in Syracuse, New York. Its website describes home repair loans, home mortgages and small-business loans. You can start an application online. It serves borrowers in Spanish and Vietnamese.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (315) 474-1939 source |
|---|---|
| info@homehq.org source | |
| Apply online | Page with the application link |
| Website | www.homehq.org |
| Office (official list) | 625 Erie Blvd., West, Suite 100, Syracuse, NY 13204 |
What their website says about applying
Start with our Pre-Qualification Application here:
sourcePlease submit all questions, applications and supporting documents directly to:
sourceSubmit your completed application form immediately along with any supporting documentation that you have on hand!
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Home repair / improvement loans | Rate stated, not as an APR: see their wording | with the loan at a 1% interest rate with a term of up to seven (7) years. | source |
| Home repair / improvement loans | Rate stated, not as an APR: see their wording | Lily Dale Assembly homeowners can take advantage of up to $25,000 at a 5.49% simple interest rate | source |
| Home repair / improvement loans | Rate stated, not as an APR: see their wording | The loans currently have a 6.99% fixed interest rate, and are payable over seven (7) years. | source |
| Home mortgages | Rate stated, not as an APR: see their wording | (based on family size) may qualify for a 3% interest rate. | source |
| Home mortgages | Rate stated, not as an APR: see their wording | Eligible buyers may borrow up to $5,000 at a simple interest rate of up to 6%, payable over five (5) years. | source |
| Home mortgages | Rate stated, not as an APR: see their wording | The mortgage currently has a 7.49% interest rate and is payable over 25 years and requires only 2% down. | source |
| Home repair / improvement loans | Term: see their wording | The loans currently have a 6.99% fixed interest rate, and are payable over seven (7) years. | source |
| Home repair / improvement loans | Term: see their wording | with the loan at a 1% interest rate with a term of up to seven (7) years. | source |
| Home repair / improvement loans | Term: see their wording | Loan term is 7-10 years. | source |
| Home mortgages | Term: see their wording | Eligible buyers may borrow up to $5,000 at a simple interest rate of up to 6%, payable over five (5) years. | source |
| Home mortgages | Term: see their wording | The mortgage currently has a 7.49% interest rate and is payable over 25 years | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- First-time homebuyer program
You must qualify as a first-time homebuyer
source - Homebuyer education required
If you are a first-time homebuyer, you must complete the
source - Collateral flexible or not always required
No home equity required, no income eligibility requirements, and no upfront costs.
source - Minimum credit score: 640
Must meet minimum credit criteria (640 credit score/45% DTI).
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 13 Jul 2025 |
| RSSD ID | — (none listed) |
| Address | 625 Erie Blvd., West, Suite 100, Syracuse, NY 13204 Directions (Google Maps) |
| Website | www.homehq.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Many listed home-improvement programs are marked closed and were left out; no mortgage or small-business amounts are stated. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home repair / improvement loans | up to $25,000 | Offers loans of up to $25,000 | source |
| Home mortgages | — | First Mortgage Financing | source |
| Small-business loans | — | Home HeadQuarters offers a variety of commercial loans that can be used for property acquisition, property rehab and/or preservation, new construction, equipment purchase and working capital. | source |
Loan sizes
Service area
Not stated on the pages we read.
Borrower focus
Languages
Online application
Yes — the site links to an application. APPLY NOW!
source
Pages read (7)
- https://www.homehq.org/
- https://www.homehq.org/small-business
- https://www.homehq.org/homebuyer-lending
- https://www.homehq.org/homeowner-loans-grants
- https://www.homehq.org/nys-resilient-retrofits
- https://www.homehq.org/faqs/2021/5/27/what-if-i-want-to-refinance-my-first-mortgage
- https://www.homehq.org/faqs/2021/5/26/will-i-need-to-have-homeowners-insurance-to-get-a-loan
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home repair loans and home mortgages?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your small-business loans?
Their website does not state a rate for this. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$19.5 million in 20 awards from the U.S. Treasury's CDFI Fund, 1998–2024 (5 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $800,000 |
| 2024 | Capital Magnet Fund | $1,000,000 |
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2022 | CDFI Program, Financial Assistance | $560,000 |
| 2021 | CDFI Rapid Response Program | $1,700,000 |
| 2020 | CDFI Program, Financial Assistance | $557,000 |
| 2020 | Capital Magnet Fund | $1,000,000 |
| 2019 | CDFI Program, Financial Assistance | $565,000 |
| 2018 | CDFI Program, Financial Assistance | $875,000 |
| 2017 | CDFI Program, Financial Assistance | $686,500 |
| 2017 | Capital Magnet Fund | $1,000,000 |
| 2015 | CDFI Program, Financial Assistance | $500,000 |
| 2014 | CDFI Program, Financial Assistance | $2,000,000 |
| 2013 | CDFI Program, Financial Assistance | $1,347,000 |
| 2010 | CDFI Program, Financial Assistance | $750,000 |
| 2009 | CDFI Program, Financial Assistance | $2,000,000 |
| 2007 | CDFI Program, Technical Assistance | $59,467 |
| 2004 | CDFI Program, Financial Assistance | $551,000 |
| 2001 | CDFI Program, Financial Assistance | $1,010,000 |
| 1998 | CDFI Program, Technical Assistance | $32,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Apr 2024| Total assets | $94.1M |
|---|---|
| Total liabilities | $39.3M |
| Net assets | $54.9M |
| Total revenue | $32.1M |
| Notes and loans receivable, net (Part X line 7) | $64.3M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending April 2024 (tax year 2023; EIN 22-2982267, filed as “HOME HEADQUARTERS INC”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Apr 2022 (990) | $69M | $45.7M | $16.7M | $45.1M |
| Apr 2023 (990) | $78.4M | $49.9M | $24.5M | $54.9M |
| Apr 2024 (990) | $94.1M | $54.9M | $32.1M | $64.3M |
Total assets grew 36% from Apr 2022 to Apr 2024; notes and loans receivable rose 42%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets, latest IRS Form 990 | $94.1M | Larger than 85% of the 39 other certified loan funds and venture funds in New York with a matched Form 990 (median $12.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, in New York | 39 | larger than 85% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Syracuse and New York
- Empower Federal Credit UnionCredit union · Syracuse, NYOfficial list only
- Syracuse Cooperative Federal Credit UnionCredit union · Syracuse, NYAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Small-dollar / emergency loans…Verified
- ADIRONDACK ECONOMIC DEVELOPMENT CORPORATIONLoan fund · Saranac Lake, NYSmall-business loansVerified
- Alternatives Federal Credit UnionCredit union · Ithaca, NYAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Amplify Equity, Inc.Loan fund · Elmira, NYSmall-business loansVerified
- Ascendus Inc.Loan fund · New York, NYChild-care facility financing, Credit-builder loans, Small-business loansVerified
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