Housing Resource Office

Eligibility

Berea's Neighborhood Improvement Housing Program enables eligible low to moderate income homeowners in Berea to make basic repairs and improvements on their home. In order to receive funding, the potential project must address one of the following:

  1. A problem constituting a violation of the City's exterior maintenance ordinance.
  2. A problem or situation that is considered detrimental or one that poses a threat to life and/or health safety of the occupant(s) and requires immediate action. Please keep in mind that emergency projects are first priority.

Cuyahoga County Programs

Housing Enhancement Loan Program (HELP)

The Home Enhancement Loan Program (HELP) allows homeowners in all of Cuyahoga County communities except Bentleyville, Chagrin Falls Township, and Hunting Valley to borrow money for repairing or remodeling homes at 3 percentage points below a bank’s market rate for home improvement loans. HELP has no restrictions on a borrower’s income and few limitations on what improvements can be made to a property. Both owner occupied and investment properties are eligible. Applications are available at any bank branch of these participating banks: Huntington Bank and KeyBank. For additional information, please call Dik Malott at 440-234-6039.

Four Component (4COM) Home Repair Loan Program

The Four Component (4COM) Home Repair Loan Program is designed to help homeowners maintain the quality of their housing and create a positive effect in the surrounding neighborhood. This federally funded program administered by the Department of Development provides home repair loans up to $35,000 to homeowners. Funding is limited to repair and/or replace major housing components such as: Roof, Electrical, Furnace, and Plumbing – including sanitary sewer connections.

You may contact the Cuyahoga County Department of Development office at (216) 443-7260 to request a Four Component (4COM) Home Repair Loan Program or click here for eligibility, FAQs and an application.