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Cuyahoga County Treasurer Jim Rokakis
Housing Enhancement Loan Program


If you are looking to fix up your home Cuyahoga County offers a program that can work for you

The county's Housing Enhancement Loan Program makes it easy for you to borrow what you need for a lot less.

A cooperative effort of the county agencies, communities and banks -- the program improves neighborhoods and communities -- one home at a time. By offering home improvement loans at 3 points below market interest rates, the program makes it easy to fix up your home for a lot less.

You can borrow from $3,000 to $200,000 and pay the loan back over 5 years. If the amount is more than $12,500 you can pay it back over 10 years. Credit decisions are based on the bank's normal lending criteria, and rates can vary by bank.


The program was designed to make it easy for homeowners across the county to participate. There's no upper limit on borrower's income and bank fees are capped at $175. Housing enhancement loans are available for single and two family dwellings with an appraised value less than $250,000 and there's no valuation limit for dwellings with 3 or more units. Homeowners in most communities are eligible and recently 19 new cities joined the program.

The Treasurer's Housing Enhancement Loan Program is nationally recognized for it's success and has received several awards. Since it's inception, homeowners have received over $71 million in home improvement loans -- money that goes directly towards enhancing homes, neighborhoods and communities.


The first program of it's kind, the Treasurer's Housing Enhancement Loan Program has been used as a model by counties throughout the country

Getting started is easy, there's no red-tape, just visit a participating bank, complete the forms and you can receive the money in 7-10 days.


Let Treasurer Jim Rokakis' Housing Enhancement Loan Program Work for you.

Visit any branch of a participating bank, like:
-Fifth Third
-KeyBank
-Huntington
-National City
-Sky Bank
-Or US Bank

Or call 216.443.2149 for more information

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