Programs & Services

Programs are open and available to eligible City of Lorain, owner-occupied residents only. Subject to fund(s) availability.


Emergency Home Repair Program

Emergency Home Repair Program Brochure

Eligible Repairs

  • Code Violations
  • Structural Hazards: leaking roof, rotted or unsafe floors, ceilings, walls, stairs, etc.
  • Electrical and other fire hazards
  • Gas Lines
  • Roof Repair/replacement, gutters
  • Repair/Replacement of heating systems/HVAC
  • Repair of air conditioning systems (Must be medically related with doctor’s notifications)
  • Plumbing (includes, water tank and waterlines which may include branch lines and well pump repair or replacement) and sewer/septic repair

Ineligible Repairs

  • Additions
  • Fences
  • Fireplaces (unless posing a fire hazard)
  • Garages
  • Landscaping

Eligible Accommodations:

  • Ramps, Grab bars, Door widening, Level door knobs/faucets, Assisted technology devices, Toilets
Maximum Eligible Area Median Income (AMI) 
  • 80% or below AMI

*EFFECTIVE June 1, 2019*

  • If a household income is at or below 60% AMI, 100% of the loan will be deferred and forgiven over 5 years. 
  • If a household income is above 60% AMI but at or below 80% AMI, 20% of the total loan will be payable over the 5 year loan term. 80% of the total loan is deferred and forgiven during the 5 year loan term.


Down Payment Assistance Program

Down Payment Assistance Program Information - Información del Programa de Asistencia de Pago

For more information contact:
Neighborhood Housing Services of Greater Cleveland
Mary Mighswander
216-458-4663


Lead Abatement Program

For more information contact:
Erie County Health Department
419-626-5623


Neighborhood Housing Services of Greater Cleveland
Home Repair Loan Program

General Guidelines

  • Loan amount up to $60,000, minimum loan of $5,000
  • Terms up to 30 years
  • Rate of 4.99 – 6.5%
  • No minimum credit score requirement
  • Property must be primary residence
  • Borrower must reside in the property for at least 6 months (other conditions may apply)
  • Borrowers must be current on their mortgage payments if there is a mortgage
  • Borrowers must be current on their property taxes
  • Borrowers must have active property insurance at time of closing and maintain proper coverage