Housing & Preservation
BNS offers many products and services geared toward current homeowners. Whether you are a senior looking to make your home more accessible, you find yourself in need of a loan to cover repair and improvement costs, or you simply want to learn more about how to be a good landlord, BNS is here to help.
Pre-Purchase Education & Counseling
Our first-time home buyer program will prepare you for the responsibilities of homeownership and connect you to the most affordable mortgage products, including any down payment and/or closing cost assistance programs. We are certified by HUD and NeighborWorksAmerica® . Our in-house classes are held every 3rd Saturday of the month. Topics include managing your finances, how to shop for a home, securing a mortgage loan, and selecting the right contractor for your new home. Our online course allows you to gain the homebuyer's education in your own home, and at your own pace.*
*Upon completion of the online course, clients must contact BNS to receive their certificate of completion.
Are you behind on your mortgage payments, or concerned that you will become late? BNS can help! Our foreclosure intervention counselor will assess your situation, educate you about the foreclosure process in New York, teach you how to negotiate with your lender, help you develop a budget and spending plan that works, help you manage your debt, and help you access refinance and modification opportunities.
Home Maintenance Training
Let BNS teach you how to make the necessary repairs and improvements to your home, while saving money on contractor costs. Our three-week, hands-on curriculum includes Basic Measurements and Tools, Interior Repair Planning, Walls & Floors, Carpentry & Wood Framing, Electrical Systems & Repairs, Plumbing Systems & Repairs, Drywall & Finishes.
Whether you are a current landlord of a small property who wants to be updated or a first time homebuyer looking to purchase a 2-4 unit house, our course will help you become an informed landlord. Topics include understanding New York City regulations, understanding leases, landlord responsibilities, the Fair Housing Act, screening tenants, insurance, and more. A certificate will be awarded after completion.
BNS, guided by the Governor’s Office of Storm Recovery (GOSR), under a project of the New York Rising Community Reconstruction (NYRCR) Program, to develop the Resident Technical Assistance Pilot Program (RTAPP). The program will reach vulnerable homeowners, building owners and managers who, given the revised flood plain mapping, are now subject to new insurance provisions and government requirements to prepare their residential structures to prevent future storm damage. Homeowners need the information provided by the resiliency audits to understand the steps they can take to prepare their homes and the counseling to review the audit and their financial situation to come up with a plan of action involving referrals for financing, further counseling and approved contractors to perform the work.
The program is focused in Bensonhurst/Gravesend, Canarsie, Howard Beach, Lower Manhattan, Red Hook, Rockaway East, and Southeast Brooklyn Waterfront (Bergen Beach, Georgetown, Marine Park, Mill Basin, and Mill Island). Outreach will include encouraging resident homeowners and landlords to register with www.FloodHelpNY.org , a website specifically designed to support this effort. The site engages New Yorkers about flood risk, flood insurance, retrofitting, and includes a flood insurance rate calculator available for all homeowners in New York City. After registering, the property owner will be screened based on income eligibility criteria and given the opportunity to schedule a resiliency audit. During the audit, a structural engineer will assess damage sustained to the home, recommend upgrades, and produce an audit report of all their findings. Information will also be available through bus ads, newspaper spreads, and media recordings with the assistance of the Governor and Mayor’s offices.
Interested residents should visit www.FloodHelpNY.org for more information on signing up.
BNS is proud to offer personalized rental housing counseling to New York City residents, geared toward those who are looking to maximize their rental prospects and find the place that is right for them. Services include Personal Finance Review, Credit Analysis, Budgeting & Money Management, Tenant Rights & Responsibilities, Landlord Rights & Responsibilities, Referrals for Tenant Advocacy Services and Pathways to Home ownership.
Rehab & Repair Lending
BNS provides loans to homeowners for moderate interior and exterior repairs. Typical projects include roof repair, bathroom and kitchen renovation, electrical and plumbing upgrades, refurbishing of windows, walls and doors, and interior and exterior painting. You may be eligible if you own a house or apartment building from one- to four-units. Loan amounts range from $5,000 to $50,000. A construction services staff person will be assigned to your project to guide you through the process from preparing the scope of work to completion.