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

The program is on hold until more funding is available. 

Applications will be available after Monday, October 7th, 2019.

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

Lead Abatement Program

For more information contact:
Erie County Health Department

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