Housing (Homeownership)

passed · New York · Senate Apr 28, 2026

J 1936: Commemorating the 50th Anniversary of Ithaca Neighborhood Housing Services

This Senate resolution officially commemorates the 50th anniversary of Ithaca Neighborhood Housing Services, an organization dedicated to providing affordable housing and community support. The bill honors the group's five decades of work in developing, preserving, and restoring homes while offering services like financial education and homeownership assistance. It directs the legislature to pause its proceedings to acknowledge the organization's contributions and mandates that a copy of the resolution be sent to INHS. This measure is a formal recognition of the organization's impact and does not alter any laws or policies.

Topics ✓ HousingSupports HousingBill honors a 50-year history of affordable housing development and preservation, signaling strong support for housing initiatives.90% confidence

Sub-Topics Affordable Housing Homeownership

Track

in committee · New York · Assembly May 20, 2026

A 11470: Relates to authorizing the city of Albany to add unpaid housing code violation penalties, costs and fines to such city's annual tax levy

This bill allows the city of Albany to add unpaid fines for housing, building, and fire code violations to a property owner's annual tax bill. To qualify for this measure, the fines must be at least five percent of the property's tax value, remain unpaid for one year, and apply only to non-owner-occupied residential properties. The legislation also requires the city to notify owners of these additions and to create a support program for tenants facing potential foreclosure due to unpaid violations. Property owners can avoid foreclosure by paying the owed amount before the tax auction deadline or by entering into a payment plan with the city. If a property is sold at auction, any remaining balance after covering the fines and costs can still be pursued against the former owner.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill authorizes adding unpaid fines to tax levies, increasing revenue for the city to fund code enforcement and essential services.85% confidence ✗ HousingOpposes HousingBill allows adding unpaid housing fines to tax levies, increasing financial burden on property owners and potentially reducing affordable housing access.85% confidence

Sub-Topics Homeownership Landlords Mortgages

Track

in committee · New York · Assembly May 15, 2026

A 11422: Establishes the senior homeowner foreclosure and rehabilitation revolving loan program

Establishes the senior homeowner foreclosure and rehabilitation revolving loan program to permit the New York state mortgage agency to make low-interest loans, deferred payment loans, or forgivable loans, or a combination thereof, to eligible senior homeowners for eligible assistance; directs SONYMA to prioritize senior homeowners at imminent risk of foreclosure; properties with essential systems in need of immediate repair or replacement, including heating and boilers; and senior homeowners with documented financial hardship that limits their ability to maintain the property or make mortgage payments.

Topics ✓ HousingSupports HousingBill creates a loan program to prevent senior foreclosures and fund home repairs, directly supporting housing stability and affordability.95% confidence

Sub-Topics Homeownership Mortgages

Track

in committee · New York · Senate Apr 2, 2026

S 9731: Enacts the "homeowner fraud protection and property alert act"

Enacts the "homeowner fraud protection and property alert act"; relates to establishing a statewide electronic property recording alert system to allow property owners to receive notification when an instrument affecting their property is recorded in the official records of any county; establishes the county recording modernization fund.

Topics ✓ HousingSupports HousingBill protects property owners from fraud and establishes a notification system, safeguarding property rights and security.85% confidence

Sub-Topics Homeownership

Track

in committee · New York · Assembly Apr 8, 2026

A 10910: Provides that a homeowners' association may include in its declaration, bylaws, or recorded covenants and restrictions a provision expressly prohibiting the use of a no-impact home-based business

Provides that a homeowners' association may include in its declaration, bylaws, or recorded covenants and restrictions a provision expressly prohibiting the use of a no-impact home-based business; provides that any such provision shall be approved by at least ninety percent of the total eligible voters of the homeowner's association; provides that any declaration, bylaws, or recorded covenants and restrictions prohibiting such use shall also include a provision stating that such prohibition may be eliminated by a simple majority vote.

Topics ✗ HousingOpposes HousingBill allows HOAs to restrict home-based businesses, limiting housing development and reducing housing options.85% confidence

Sub-Topics Homeownership

Track

passed · New York · Senate Jun 4, 2026

S 9679: Establishes the block by block homeownership program

Establishes the block by block homeownership program to provide capital subsidies for the purpose of constructing, preserving, and rehabilitating one- to two- family dwellings throughout the state, outside of NYC.

Topics ✓ HousingSupports HousingBill establishes a program to fund construction and preservation of one- to two-family dwellings, directly advancing affordable housing goals.95% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance

Track

failed · New York · Assembly Jun 4, 2026

A 10812: Increases the threshold for the additional tax on real estate transfers

Enacts the "middle-class homebuyer protection act" to increase the additional tax imposed on residential real property if the consideration for the conveyance from $1,000,000 to $4,500,000 where the residential structure contains five thousand square feet or more of livable interior space.

Topics ✗ Budget & TaxesOpposes Budget & TaxesBill increases a tax on real estate transfers, directly raising revenue burdens for property transactions.95% confidence ✗ HousingOpposes HousingBill increases taxes on large residential properties, which can reduce the supply of affordable housing and limit development.85% confidence

Sub-Topics Homeownership

Track

in committee · New York · Assembly Mar 6, 2026

A 10449: Enacts the CareForce first-time homebuyers act

Establishes the CareForce first-time homebuyers program under which certain first-time homebuyers may receive below-market mortgage financing and forgivable down payment assistance.

Topics ✓ HousingSupports HousingBill establishes a first-time homebuyer program providing below-market financing and down payment assistance, directly advancing affordable housing access.90% confidence

Sub-Topics Affordable Housing Homeownership Mortgages

Track

in committee · New York · Senate Feb 4, 2026

S 9117: Establishes the small homeowner rehabilitation revolving loan program

Establishes the small homeowner rehabilitation revolving loan program administered by the New York state housing finance agency consisting of moneys appropriated by the legislature, repayments of principal and interest on loans made from the program, interest earnings, private or philanthropic contributions, and any other moneys made available for its purposes; authorizes the New York state housing finance agency to make low-interest loans, deferred payment loans, or forgivable loans, or a combination thereof, to eligible small homeowners for eligible rehabilitation and repair projects; provides for eligibility requirements and tenant protections.

Topics ✓ HousingSupports HousingEstablishes a state-administered loan program for small homeowner rehabilitation, directly funding affordable housing access through low-interest loans and rehabilitation assistance.95% confidence

Sub-Topics Homeownership Housing Finance

Track

in committee · New York · Senate Feb 4, 2026

S 9120: Establishes the senior homeowner foreclosure and rehabilitation revolving loan program

Establishes the senior homeowner foreclosure and rehabilitation revolving loan program to permit the New York state mortgage agency to make low-interest loans, deferred payment loans, or forgivable loans, or a combination thereof, to eligible senior homeowners for eligible assistance; directs SONYMA to prioritize senior homeowners at imminent risk of foreclosure; properties with essential systems in need of immediate repair or replacement, including heating and boilers; and senior homeowners with documented financial hardship that limits their ability to maintain the property or make mortgage payments.

Topics ✓ HousingSupports HousingProvides low-interest loans to seniors at risk of foreclosure and for property repairs, preventing homelessness and stabilizing housing for vulnerable homeowners.95% confidence

Sub-Topics Homeownership Mortgages

Track