Low-Interest Loan Programs

There are a number of programs sponsored by Cuyahoga County and other local organizations to assist residents in making homes safer, healthier and kept in good repair. Most programs require specific eligibility qualifications. Please contact each agency/provider directly for more information. The Ohio Healthy Homes Network also maintains a regularly updated list of loan programs available to residents of Cuyahoga County.

Cuyahoga County Home Repair Loan
Repair loans up to $20,000 for a variety of project types. Property must be owner-occupied and current on taxes. Homeowners must meet income requirements. Loans are forgivable or deferred, depending on applicant’s income. Call 216-672-3543 for information.

Fixer Upper Home Repair Loan
Offered by Third Federal, this low-interest loan program (2.99% APR) provides between $1,000 and $9,900 for home repair and/or improvement projects. Low monthly payments and no closing costs.

Home Enhancement Loan Program (H.E.L.P.)
H.E.L.P. provides home improvement loans at 3% below market rate for 10 years for loans over $12,500 or five years for loans that are $12,500 or less. Loans can be used for code violation compliance, property upgrades, repair, or maintenance. There are no income restrictions and property owners can borrow between $3,000 and $200,000 for home improvements. For more information, contact the Cuyahoga County Treasurer’s office, 216-443-2149 or call us at 216-491-1333 for a list of participating banks.

Heritage Home Program
The Heritage Home Program offers low-interest loans to homeowners who live in homes more than 50 years old for home repair and maintenance. Terms are as low as 1.4% fixed financing over a seven to ten-year term.
To learn more about qualifying for this program contact the Cleveland Restoration Society at 216-426-3116.

Hebrew Free Loan Association
HFLA offers “interest-free lending to responsible individuals in need.” Loans can be for home repairs as well as foreclosure prevention, family expenses, and more. Loan applicants must live in Northeast Ohio and have an income that enables them to repay the loan. The maximum loanamount is $10,000 and at least one guarantor is required. Other qualifications apply. HFLA is a non-sectarian organization and loan applicants are not required to be Jewish.
For more information, contact Hebrew Free Loan Association at 216-378-9042.

Minor Home Repair Program
Emergency home repairs for very low income homeowners offered by Community Housing Solutions (CHS). CHS also provides Elderly Minor Home Repair, Energy Conservation and Tool Loan Program, and Home Maintenance Training.
For more information, contact Mr. Carney at 216-651-0077.