Heritage Home Loan Program

Administered by the Cleveland Restoration Society

The County has partnered with The Cleveland Restoration Society to offer low interest loans that provide the funds you need to modernize and make energy efficient improvements. The Heritage Home Program is available to help with access to loan programs and free technical assistance for home repair, maintenance, and rehab needs. There is no income eligibility requirement.

Eligibility and Requirements:

Applicants must meet all of the following eligibility requirements:

1. Home must be 50 years or older
2. Must be located in an eligible community. List of eligible communities
3. Properties must have a total Market Value of less than $750,000. Properties with a value between $550,000 - $750,000 are eligible for exterior improvements only.
4. Eligible types of home repairs: Electrical, HVAC/furnace, plumbing, roof, insulation, window, basement waterproofing, masonry, painting, compatible additions, finishing attic, bath/kitchen renovation (excludes kitchen appliances).
5. Luxury projects and improvements are not eligible (i.e., vinyl siding or vinyl windows, hot tubs, swimming pools, decks, patios, landscaping, etc.).

(216) 426-3116

https://www.heritagehomeprogram.org/

Homeowner Repair Program

Administered by Community Housing Solutions

Provides income qualified homeowners with a deferred, subordinated loan, to make health and safety repairs to their home. Eligibility requirements include, but are not limited to, the property being owner-occupied for at least one year, not being in a foreclosure status, current on any existing mortgages, and property taxes must be current or in an approved payment plan with the Cuyahoga County Treasurer.

(216) 651-0077

https://yourchs.org/program/home-repair/

Housing Enhancement Loan Program (HELP)

Administered by Huntington Bank

The Home Enhancement Loan Program (HELP) provides homeowners of occupied or investment properties in eligible Cuyahoga County communities home improvement loans, at three percentage points below normal bank rates, for home rep[air or remodeling projects. HELP has no restrictions on a borrower’s income and few limitations on what improvements can be made to a property.

Eligibility and Requirements

Applicants must meet all of the following eligibility requirements:

1. Applicant must meet bank’s normal lending criteria.
2. Must be in an eligible community (all communities in Cuyahoga County except Bentleyville, Chagrin Falls Township, and Hunting Valley are eligible).
3. Single-family, two-family, and multi-family dwellings are eligible. Single and two-family dwellings must have a tax value of less than $250,000. There is no tax value limit on multi-family dwellings.
4. Eligible types of home repairs include alterations, repairs, maintenance, or improvements. Loans may also be used for code violation compliance and property upgrades (excludes kitchen appliances).

5. Luxury projects and improvements are not eligible (i.e., tennis courts, swimming pools, hot tubs, horse stables, etc.).

Application and Contact Information

Applications can be obtained through any Huntington Bank branch or by downloading the Online Help Loan Application and then submitting the completed application to any Huntington Bank branch.