Cuyahoga County HELP, Housing Enhancement Loan Program

Cuyahoga County / Believe Mortgage

Available Home Repair

About This Program

Cuyahoga County HELP, Housing Enhancement Loan Program is available to homeowners in Cleveland, OH.

Below-market home improvement loan for Cuyahoga County homeowners. No income restrictions, few project limitations. Interest rate 3 percentage points below normal bank rate. Single- and two-family homes with tax value under $250,000. Applicant must meet normal bank lending criteria.

No income limit; standard bank credit criteria

Official program page checked live on 2026-06-22.

Data last verified 2026-04-01. How we verify our data.

In Cleveland, OH, you can combine this program with other local help to cut your cost:

Key Details

  • No income restrictions, open to all Cuyahoga County homeowners
  • Interest rate 3 percentage points below standard bank rates
  • Single/two-family homes with tax value under $250,000
  • Applicant must meet normal bank lending criteria
  • Most Cuyahoga County communities eligible (few exceptions)

How to Apply

Get free help applying Visit Official Program Page Track this program

216-443-7260

A grant-savvy contractor in Cleveland, OH can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Cleveland early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Year-round

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

Who qualifies for Cuyahoga County HELP, Housing Enhancement Loan Program in Cleveland?

Cuyahoga County HELP, Housing Enhancement Loan Program is open to homeowners in Cleveland, OH. It has no income limit.

How do I apply for Cuyahoga County HELP, Housing Enhancement Loan Program in Cleveland, OH?

Apply directly with Cuyahoga County / Believe Mortgage using the official program link on this page or call 216-443-7260. There is no middleman and no fee.

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