Programs & Services
Housing programs are open and available to eligible City of Lorain, owner-occupied residents only. Subject to fund(s) availability.
HOME Rehabilitation Loan Program
|The City of Lorain’s new HOME Rehabilitation Loan Program affords eligible low-and-moderate income homeowners to make repairs on their home to improve the quality of their lives and create a positive effect in the surrounding neighborhood. The program provides up to $45,000 of home rehabilitation to owner-occupied houses in the City of Lorain. |
Applications are available for download HERE, or by calling 440-204-2020 to speak with a member of the Housing Division.
Applications will be accepted beginning November 1, 2021.
Home Repair Program
Maximum Eligible Area Median Income (AMI)
*EFFECTIVE June 1, 2019*
Neighborhood Revitalization Program
Eligible Exterior Repairs
To be eligible for assistance, the homeowner must have lived in the proper ty at least twelve (12) months immediately prior to making application to this program and be current on all property taxes, mortgages, and hazard insurance. All utilities: gas, electric, water, sewer, and trash must be current as well.
Households whose income falls between 50% and 80% of area median income (AMI) may be required to repay their project costs through a zero-interest loan over a five-year period. This decision is based on the project’s funding source and the homeowner will be advised prior to the beginning of any work performed.
Assistance provided to residents whose income falls below 50% AMI will be forgiven over a five-year period.
City of Lorain residents must be at least 62 years of age to be eligible to apply.
Please note that other restrictions may apply and are based on constraints placed on the program by the funding source.
EMERGENCY ASSISTANCE PROGRAMS
Rental, mortgage and utility assistance is available for those affected by the coronavirus pandemic.
Do you have a tenant that is at risk of eviction due to the inability to pay their rent because of COVID-19?
If you think your tenant may be eligible and are willing to accept assistance to stop the eviction process and allow the tenant to remain in the home, the Lorain County Urban League may be able to assist you. Payments, up to 6 months, will be made directly to you on behalf of the tenant.Eligibility:
Are you struggling to pay your rent due to a loss in income from COVID-19? The Lorain County Urban League has a rental assistance program, providing assistance for up to 6 months, that may be able to assist you.
Please contact the Urban League at 440-323-3364 or email email@example.com for more information. The housing counselor will work with you to determine eligibility and gather all required documents. If approved, rental payments will be made directly to the landlord.
The Lorain County Urban League is also offering utility assistance for gas and electricity to City of Lorain residents impacted by COVID-19. Assistance can be provided for up to 3 months. Please contact the Urban League at 440-323-3364 or email firstname.lastname@example.org for more information.
SMALL BUSINESS STABILIZATION PROGRAM (SBSP)
Are you a City of Lorain small business that has beenby the COVID-19 pandemic?
The purpose of the SBSP is to help businesses prevent, prepare for or respond to coronavirus and the related economic downturn and recovery. Businesses are eligible to receive forgivable, no-interest loans, designed to help local businesses avoid financial hardship, remain in operation, and/or re-open after the state-mandated non-essential business shutdown. Storefront businesses are eligible to use SBSP funds to assist with rent/mortgage expenses, utility costs, payroll, and/or to retrofit their place of business under state and county public health guidelines. Home-based businesses are eligible to use SBSP funds for general operating costs, not including rent/mortgage, utilities, and/or payroll. Expenses before March 22, 2020, are not eligible for storefront or home-based businesses.
This program is funded through CDBG-CV funds and therefore, requires the City of Lorain to verify that there is no duplication of benefits. All applications are required to complete a Duplication of Benefits Affidavit as part of the application process. This affidavit acknowledges the City of Lorain’s requirement that any person or entity receiving CDBG-CV assistance must agree to repay assistance that is determined to be duplicative.
Eligible to receive up to $15,000 for:
Eligible to receive up to $10,000 for:
*Not including rent, mortgage, utilities, and/or payroll
Lead Abatement Program
For more information contact: