Third Federal Fixer Upper Home Repair Loan

Third Federal Savings & Loan

Available Home Repair

About This Program

Third Federal Fixer Upper Home Repair Loan is available to homeowners in Cleveland, OH.

Low fixed-rate home repair loan exclusively for City of Cleveland homeowners. $1,000-$9,900 at 2.99% APR fixed. No income limit. Minimum payment as low as $12/month. Primary, owner-occupied residence only. Third Federal is a Cleveland-based community bank with a community development mission.

City of Cleveland homeowners only; no income limit

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

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

This is a national program. In Cleveland, OH, you can stack it with local programs like these:

Key Details

  • 2.99% APR fixed rate, well below market
  • $1,000-$9,900 loan amount
  • Minimum monthly payment as low as $12
  • No income limits, open to all Cleveland homeowners
  • Primary, owner-occupied residence required
  • Community development mission product

How to Apply

Get free help applying Visit Official Program Page Track this program

800-844-7333

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

How much can Third Federal Fixer Upper Home Repair Loan provide in Cleveland, OH?

$1,000-$9,900 at 2.99% APR fixed.

Who qualifies for Third Federal Fixer Upper Home Repair Loan in Cleveland?

Third Federal Fixer Upper Home Repair Loan is open to homeowners in Cleveland, OH. It has no income limit.

How do I apply for Third Federal Fixer Upper Home Repair Loan in Cleveland, OH?

Apply directly with Third Federal Savings & Loan using the official program link on this page or call 800-844-7333. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Cleveland, OH contractors

Find More Programs in Cleveland, OH

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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