Housing Enhancement Loan Program (HELP)

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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 repair 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. Must be in an eligible community (all communities in Cuyahoga County except Bentleyville, Chagrin Falls Township, and Hunting Valley are eligible)

2. 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.

3. Eligible types of home repairs include alterations, repairs, maintenance, or improvements. Loans may also be used for code violation compliance and property upgrades.

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

Application and Contact Information

Applications are available at any bank branch of these participating banks: Key Bank and Huntington Bank. For additional information, please call 216-443-2149.

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