ERMA offers deferred 0% interest loans up to $25,000 to eligible homeowners with reverse mortgages who are at risk of defaulting on their mortgage or have defaulted on their mortgage due to municipal property taxes, property insurance obligations, or other charges stemming from a temporary inability to pay. Sustainable Neighborhoods LLC (SN) is a wholly-owned subsidiary of the Center for NYC Neighborhoods and the lender for ERMA. The program was developed by the Center for NYC Neighborhoods, Enterprise Community Partners, and the New York State Attorney General’s Office.

ERMA is currently available in the following participating counties: NYC (Bronx, Kings, New York, Richmond & Queens), Long Island (Nassau & Suffolk), Albany, Broome, Dutchess, Erie, Monroe, Onondaga, Orange & Westchester

Advocates may assist interested homeowners by using the Registration Packet or re-direct them to 646-786-0888 to receive a referral.

Contact Information:
Carolyn Canahuate

ERMA Registration Packet (English)
ERMA Registration Packet (Spanish)


Additional Topics