Housing Loan Programs

In an effort to assist residents with some of their housing needs, the City of Independence participates in a variety of housing programs: 
  • Four Component Home Repair Loan Program
  • Housing Enhancement Loan Program
  • Heritage Home Loan Program
Sponsored by Cuyahoga County. For additional information contact:

        Cuyahoga County Department of Development
        1701 E.12th Street #10
        Cleveland, OH 44114

Four Component (4COM) Home Repair Loan Program

The Four Component Home Repair Loan Program is designed to help homeowners maintain the quality of their housing. This federally funded program administered by the Department of Development provides home loans up to $35,000 to homeowners. Funding is limited to repair or replace major housing components such as roof, electrical, furnace, and plumbing - including sanitary sewer connections.

Eligibility Requirements
  • Must meet income guidelines set forth by the US Dept of Housing and Urban Development
  • Must own and reside in the home as your primary residence
  • Must be current on your property taxes
  • Must have homeowners insurance policy in place
You may contact the Cuyahoga County Department on Development Office at 216-443-7260 to request an application.

Housing Enhancement Loan Program (H.E.L.P.)

This program enables homeowners to improve homes or rental properties at rates 3% under a bank's market interest rate. H.E.L.P. makes it easy to improve homes, which also improves our community. Funds can be allocated for most non-luxury improvements, such as general repairs, maintenance, code-violation compliance, and property upgrades.  

Eligibility Requirements:

  • Homeowner regardless of income
  • Owner occupied and rental properties
  • Property taxes must be current
  • Appraised property value less than $250,000
  • Credit decisions are based on normal lending criteria
Applications available at Huntington Bank and Key Bank. For additional information call 216-443-2149.

Heritage Home Loan

Cuyahoga County has many wonderful homes that were built to last. These homes are part of our heritage and we can help you preserve them. Through the Heritage Home Loan Program, the County partners with the Cleveland Restoration Society to offer low interest loans that provide the funds you need to modernize and make energy efficiency improvements. The Heritage Home Program is available to help with access to loan programs and free technical assistance for home repair, maintenance, and rehab needs.

Eligibility and Requirements

  • Home must be 50 years or older.

  • Eligible types of repairs: Electrical, HVAC/furnace, plumbing, roof, kitchen/bath renovation, insulation, window, basement waterproofing, masonry, painting, compatible additions,finishing attic, etc.

  • Properties must be valued at less than $750,000. Properties with a value between $500,000 and $750,000 are eligible for exterior improvements only.

  • Luxury projects and improvements are not eligible (e.g. vinyl siding or vinyl windows, hot tubs, swimming pools, decks, patios, landscaping).