Housing (Homeownership)

in committee · New York · Senate Jan 7, 2026

S 5335: Enacts the "home mortgage bridge loan assistance act "

Enacts the "home mortgage bridge loan assistance act" to prevent avoidable home mortgage foreclosures by providing temporary bridge loan assistance; makes related provisions.

Topics ✓ HousingSupports HousingBill prevents foreclosures via bridge loans, protecting homeowners' property rights (a housing topic) by providing temporary financial assistance to avoid loss of housing.92% confidence

Sub-Topics Homeownership Mortgages Property Taxes

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in committee · New York · Assembly Jan 7, 2026

A 7703: Grants preferences in contracts under the affordable home ownership program to certain police officers, firefighters and teachers

Provides preferences in contracts under the affordable home ownership program to police officers, teachers and firefighters who live in the municipality or school district in which they work; defines relevant terms.

Topics ✓ EducationSupports EducationProvides housing preference for teachers, directly supporting educator retention and recruitment in school districts through non-funding benefits.85% confidence ✓ HousingSupports HousingProvides housing preferences for essential workers in affordable program, expanding access to affordable home ownership95% confidence

Sub-Topics Affordable Housing Homeownership

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in committee · New York · Senate Jan 7, 2026

S 2375: Creates a veteran's home and land ownership loan program

Creates a veteran's home and land ownership loan program to provide loans to veterans to purchase homes or unimproved land suitable for building; requires such loans to be secured by a second mortgage.

Topics ✓ HousingSupports HousingBill creates veteran-specific home loan program, funding housing access through secured loans, aligning with housing support indicators.95% confidence ✓ VeteransSupports VeteransCreates loan program for veterans' home/land ownership, expanding access to housing benefits as a direct veteran service enhancement.95% confidence

Sub-Topics Homeownership Mortgages Veteran Housing

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in committee · New York · Senate Jan 7, 2026

S 2719: Relates to authorizing the city of Niagara Falls to add unpaid housing code violation penalties, costs and fines to such city's annual tax levy

This bill allows the city of Niagara Falls to add unpaid housing code violation penalties, costs, and fines to the city's annual property tax levy. It applies only to properties where violations were legally adjudicated by a court, remain unpaid for one year, and total at least 5% of the property's tax value. The bill excludes owner-occupied primary residences and requires the city to provide tenant relocation assistance if a rental property faces tax foreclosure due to unpaid violations. Property owners can still pay the debt directly, enter payment plans, or cure violations to avoid foreclosure. The city must notify property owners and follow specific notice and foreclosure procedures.

Topics ✓ HousingSupports HousingEnforces housing code compliance via tax levies, protects tenants with relocation assistance for rental properties facing foreclosure, aligns with tenant protection indicators.85% confidence

Sub-Topics Homeownership Mortgages Property Taxes

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in committee · New York · Assembly Jan 7, 2026

A 3045: Establishes the new American homebuyer assistance program within the state of New York mortgage agency

Establishes the New American homebuyer assistance program within the state of New York mortgage agency to assist first time homebuyers by imposing flexible documentation guidelines that take into account foreign documentation of income and assets.

Topics ✓ HousingSupports HousingCreates state program to assist first-time homebuyers with flexible documentation, advancing affordable housing access through new mortgage assistance.95% confidence ✓ ImmigrationSupports ImmigrationBill establishes homebuyer program with flexible foreign documentation guidelines for income/assets, directly aiding immigrants by removing barriers to state housing services and supporting integration.90% confidence

Sub-Topics Homeownership Mortgages

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in committee · New York · Assembly Jan 7, 2026

A 4336: Establishes the New York student loan assistance and home purchase act

Establishes the "New York student loan assistance and home purchase act", for the purposes of facilitating the purchase of homes by individuals who are burdened by student debt, by providing financing opportunities for the consolidation of student debt into a mortgage.

Topics ✓ HousingSupports HousingConsolidates student debt into mortgages, reducing barriers to homeownership for debt-burdened individuals, directly advancing affordable housing access.90% confidence

Sub-Topics Homeownership Mortgages

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in committee · New York · Assembly Jan 7, 2026

A 1818: Enacts the "End Hedge Fund Control of New York Homes Act"

Imposes an excise tax on the failure of certain hedge funds owning excess single-family residences to dispose of such residences; establishes the housing down payment trust fund to provide funds to state housing finance agencies to establish new or supplement existing programs that provide down payment assistance to families purchasing homes within the state.

Topics ✓ Budget & TaxesSupports Budget & TaxesImposes excise tax on hedge funds to fund down payment assistance programs, directly advancing housing affordability through targeted taxation and new budget allocation.95% confidence ✓ HousingSupports HousingCreates down payment trust fund for homebuyers and taxes hedge funds holding excess homes, directly advancing affordable housing access and development.95% confidence

Sub-Topics Procurement Sales Tax Homeownership Housing Finance

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in committee · New York · Assembly Jan 7, 2026

A 4098: Establishes the first-generation homebuyer assistance program

Establishes the first-generation homebuyer assistance program to provide a zero-interest, forgivable loan award in the amount of up to $15,000 to first-generation homebuyers.

Topics ✓ HousingSupports HousingProvides zero-interest forgivable loans up to $15k for first-time homebuyers, directly increasing affordable housing access through financial assistance.95% confidence

Sub-Topics Homeownership

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in committee · New York · Assembly Jan 7, 2026

A 2338: Creates a veteran's home and land ownership loan program

Creates a veteran's home and land ownership loan program to provide loans to veterans to purchase homes or unimproved land suitable for building; requires such loans to be secured by a second mortgage.

Topics ✓ HousingSupports HousingCreates a veteran-specific housing loan program for home/land ownership, providing direct funding for housing development and property ownership, aligning with housing program support indicators.90% confidence ✓ VeteransSupports VeteransCreates new loan program for veteran home/land ownership, expanding housing benefits and financial support for veterans.95% confidence

Sub-Topics Homeownership Mortgages Veteran Housing

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in committee · New York · Assembly Jan 7, 2026

A 7706: Grants tax credit for downpayment made on residential housing

Grants credit against personal income tax to purchasers of residential housing in the amount of any downpayment made on such housing; provides that the maximum credit shall not exceed 5 percent of the purchase price of the residential housing; requires taxpayers to meet eligibility requirements imposed by the state of New York mortgage agency.

Topics ✓ Budget & TaxesSupports Budget & TaxesGrants tax credit reducing personal income tax burden for homebuyers, aligning with tax relief for middle-income households through downpayment assistance.90% confidence ✓ HousingSupports HousingBill provides tax credit for downpayment on residential housing, reducing upfront costs and increasing affordability for homebuyers, directly supporting affordable housing access.90% confidence

Sub-Topics Income Tax Tax Credits Homeownership Housing Finance Mortgages

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