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Resources & Programs
Hamilton County Community Development: 513-946-8230
630 Main St. Suite 1002
Cincinnati, OH 45202
A down payment assistance program for first time homeowners outside of the city limits but within Hamilton County who are 80% of the median income.
Normar Corporation: 513-931-1030
3091 Shady Crest Dr.
Cincinnati, OH 45239
A grant program for City of Cincinnati’s homeowners for home repairs. There are income eligibility requirements.
The Home Ownership Center of Greater Cincinnati: 513-961-2800
2820 Vernon Place
Cincinnati, OH 45219
www.hometoday.cc
A rehabilitation loan program for City of Cincinnati’s homeowners for home repairs at interest rates of 3% to 6% based on income.
Ohio Department of Development: 800-848-1300
P.O. Box 1001
Columbus, Ohio 43216
www.odod.state.oh.us
Working with communities and businesses, the Department of Development promotes economic opportunities to improve the profits and prosperity of Ohio’s citizens. The Department oversees programs that affect business, Ohio citizens and the community.
The Community Development Division (CDD) of the Ohio Department of Development administers programs through their three program offices:
- Office of Housing and Community Partnerships (OHCP), which provides financial and technical assistance to units of local government, nonprofit corporations and for-profit housing developers for activities that benefit low and moderate-income Ohioans.
- Office of Energy Efficiency (OEE) offers technical assistance to many different customers through a variety of programs. The most widely known is the home Weatherizations Assistance Program.
- Office of Community Services works to eliminate poverty in Ohio by providing funds statewide to local nonprofit organizations designated as community action agencies for support services such as employment, education, housing, emergency assistance and nutrition. The office of Community Services is the grant administrator for federal antipoverty programs including the Community Services Block Grant and the Home Energy Assistance Program.
Council on Aging of Southwestern Ohio: 513-721-1025
175 Tri County Parkway
Cincinnati, OH 45246
The HOME Program: Home Repairs and Modifications
A grant program that offers free home repairs and safety modifications for low-income homeowners and renters age 60 and older.
Fact Sheet
Hamilton County Community Development: 513-946-8230
630 Main St. Suite 1002
Cincinnati, OH 45202
A program that allows homeowners in Hamilton County communities to borrow money to repair or remodel their homes or rental property at interest rates 3% below the lowest rate the bank offers.
People Working Cooperatively, Inc.: 513-351-7921
4612 Paddock Road
Cincinnati, OH 45229
www.pwchomerepairs.org
People Working Cooperatively provides professional home repairs, weatherization, maintenance, and emergency services for low-income, elderly, and disabled homeowners.
Elderly Services ProgramSM
Administered by COASM, enables older adults to remain independent in their own home with the provision of in-home services such as minor home modification, maintenance, and repair. The program is supported by special tax levies in Butler, Clinton, Hamilton, and Warren Counties and serves those 60 years of age and older in Butler and Warren Counties and 65 years of age and older in Clinton and Hamilton Counties.
| Butler County ESP: |
868-9281 or 800-215-5305 |
| Clinton County ESP: |
937-382-1848 |
| Hamilton County ESP: |
513-721-7670 |
| Warren County ESP: |
513-695-2271 |
Clermont County Community Services: 513-732-7182
2400 Clermont Center Dr.
Box 103
Batavia, OH 45103
Provides information and services for weatherization and home repair services for older adults.
Clermont Senior Services: 513-724-1255
2085A Front Wheel Drive
P.O. Box 118
Batavia, OH 45103
Minor home repairs and chore services.
| Homestead Exemption - Property Tax Reductions |
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Homestead Exemption - Offers property tax reduction in property and manufactured home taxes for persons 65 and older or totally disabled. Must own and occupy property as of January 1 of application year and meet state income limits. Application filed 1st Monday of January through 1st Monday of June. For an
application and more information, contact the county auditor’s office where you live.
Butler County Auditor: 513-887-3154
130 High St., 4th Floor
Hamilton, OH 45011
Clermont County Auditor: 513-732-7150
101 E. Main St.
Batavia, OH 45103
Clinton County Auditor: 937-382-2250
46 S. South St.
Wilmington, OH 45177
Hamilton County Auditor: 513-946-4099
138 East Court St., Rm. 304
Cincinnati, OH 45202
Warren County Auditor: 513-925-1235
406 Justice Dr.
Lebanon, OH 45036
An agency or organization created by a local government to administer HUD’s low income programs, including the Section 8 Certificate/Voucher Program and Public Housing. In the Public Housing and other project-based subsidy programs, the Housing Authority owns and/or manages affordable housing. In the tenant-based program (Certificates and Vouchers), the Housing Authority provides financial assistance enabling persons to lease suitable and affordable housing in the private market.
Butler Metropolitan Housing Authority: 513-896-4411 x 128
4110 Hamilton-Middletown Road
Hamilton, OH 45011
www.eos.net/butlermha/
Cincinnati Metropolitan Housing Authority:
513-421-8190 Section 8
513-721-4580 Administration
513-421-2642 Leasing
513-421-8308 Community Relations Office
16 West Central Parkway
Cincinnati, OH 45210
www.cintimha.com
Clermont Metropolitan Housing Authority: 513-732-6010
65 South Market Street
Batavia, OH 45103
www.clermontmha.org
Clinton Metropolitan Housing Authority: 937-382-5749
478 Thorne Ave.
Wilmington, OH 45177
Warren Metropolitan Housing Authority: 513-695-1226
990 East Ridge Road
Lebanon, OH 45036
City of Middletown Section 8: 513-422-3600
128 City Center Mall
Middletown, OH 45042
Housing and Urban Development (HUD): 513-684-3451
Cincinnati Field Office
15 E. Seventh St.
Cincinnati, OH 45202
HUD is the federal agency that is responsible for national policy and programs that; address American’s housing, improve and develop the nation’s communities. HUD enforces all federal fair housing laws. In the case of public housing assistance payments on behalf of families, HUD pays housing authorities for administering the Certificate/Voucher Program, monitors the housing authority’s compliance with federal regulation, and provides technical assistance. In the case of privately-owned affordable housing, HUD makes housing assistance payments on behalf of families to owners, monitors their compliance with federal regulations, and provides technical assistance to ensure that the buildings are properly maintained.
Licensing of Adult Care Facilities
Ohio Department of Health (ODH): 800-342-0553
Community Health Care Facilities & Services: 614-995-7466
246 North High Street, 2nd Floor
P.O. Box 118
Columbus, OH 43216
www.odh.state.oh.us
Conducting an on-site inspection of applicants or licensed operators of adult family homes, adult group homes and alternative homes and alternative homes ( residence of 3-5 people with AIDS) is one of the functions of ODH. ODH also conducts survey visits to health care providers and suppliers participating in the federal Medicare program and maintains a long-term care hotline about nursing & home health agencies.
Information to start a group home (ODH): 614-466-7713
Listing of group homes: 513-345-8643
For a complete list of group homes for Butler, Clermont, Clinton, Hamilton and Warren Counties contact the Council on Aging of Southwestern Ohio’s Community Resources and Information Department.
Aslan World Wide Services: 513-671-0671
11780 Springfield Pike
Cincinnati, OH 45246
Moving Company
College Hill Presbyterian Church: 513-541-5676
5742 Hamilton Ave.
Cincinnati, OH 45224
Will pick up donated furniture.
Helping Hands Household Sales: 513-271-5971
6619 Mariemont Ave.
Cincinnati, OH 45227
For a fee will organize a tag sale of household items.
Planes “Golden Touch” Senior Relocation Services: 513-759-3693
9823 Cincinnati-Dayton Road
West Chester, OH 45069
Moving Company
Saint Vincent DePaul: 513-421-2273
1125 Bank
Cincinnati, OH 45214
Picks up donated items.
Salvation Army: 513-351-3457
2250 Park Ave.
Cincinnati, OH 45212
Picks up donated furniture. No bedding.
Welcome Home: 513-922-6054
6363 Werk Road
Cincinnati, OH 45248
Moving, unpacking, and settling-in services for seniors.
A reverse mortgage is a complex home loan for senior homeowners who have built up substantial equity in their property. In a reverse mortgage the lender loans you money based on the value of your home, the amount of equity you have in the home, and your age at the time of the loan application. The lender pays you the money either in a lump sum, in monthly installments, or as a line-of-credit. Unlike a traditional home equity loan or second mortgage, repayment is not required until you sell your home, move out permanently, or die. The amount of money you owe increases over time because you do not make payments. If you sell your home, you can keep any proceeds from the sale of your home in excess of what you owe the lender.
To qualify for a reverse mortgage, the borrower must be at least 62 years old. The borrower must receive counseling in advance from an approved counseling agency (listed below). The mortgage on your home must be completely or nearly paid off. You can get a reverse mortgage regardless of your current income.
Counseling Agencies:
- Consumer Credit Counseling Service
of the Midwest: 513-366-4500
1147 Cincinnati Batavia Pike
Batavia, OH 45103
- Consumer Credit Counseling Service
of the Midwest: 513-366-4500
9545 Kenwood Road, Suite 204
Cincinnati, OH 45242
- Consumer Credit Counseling Service
of the Midwest: 800-355-2227
4556 Montgomery Road
Norwood, OH 45212
Reverse Mortgage Lenders:
- American Mortgage Service Company: 513-421-9600
415 Glensprings Dr.
Cincinnati, OH 45246
- Consumers Mortgage Source LLC: 513-923-9810
9600 Colerain Ave., Suite 401
Cincinnati, OH 45251
- Credit Financial Services LLC: 513-229-3400
130 Tri County Parkway
Cincinnati, OH 45246
- Fifth Third Bank: 513-358-4175
38 Fountain Square Plz.
Cincinnati, OH 45263
- Mortgage Funding USA LLC: 513-771-8121
11224 Cornell Park Dr.
Cincinnati, OH 45242
- Summit Home Loans: 513-686-2887: 888-891-6083 (toll free)
9825 Kenwood Road, Suite 201
Blue Ash, OH 45242
- Sycamore National Bank: 513-741-7930
3209 West Galbraith Road
Cincinnati, OH 45239
- Wells Fargo Home Mortgage: 800-771-2240
161 Northland Blvd.
Cincinnati, OH 45240
The Ohio Department of Development (ODOD) offers several programs to help low-income Ohioans pay their utility bills and improve the energy efficiency of their homes. For more information about the programs that provide utility assistance you can contact the Ohio Consumer’s Counsel, you residential utility advocate at 877-PICKOCC (877-742-5622)
Home Energy Assistance Program (HEAP)
HEAP is a federally-funded program designed to assist eligible low-income Ohioans with their winter heating bills. Assistance is based on household size, income, location of residence, and type of heating fuel used. Those eligible for the program receive a credit or a voucher, which is applied toward the heating bill. Available from November through March, or until funds are depleted. For HEAP Application call Council on AgingSM Information and Referral Department at 513-345-8643.
Emergency HEAP (EHEAP)
This program provides assistance to households which have had their utilities disconnected, faces the threat of disconnect, or have 10 or fewer days supply of bulk fuel. It allows a one-time payment of up to $200 per heating season to restore or retain home heating services.
Percentage of Income Payment Plan (PIPP)
PIPP is a special payment plan that requires eligible customers to pay a portion of their household income each month to maintain utility service. PIPP protects customers from disconnection of service, as long as they follow the program rules about monthly payments. However, customers remain responsible for any unpaid balances on their bills. All gas and electric companies regulated by the Public Utilities Commission of Ohio must offer this plan to their customers. If you are income eligible for HEAP, you are also eligible to participate in PIPP. PIPP customers must pay 10% of their monthly income to the company that provides their primary heating source, year round. During the winter months, customers must pay 5% or 3%, depending on income, to the company that provides their secondary heating source. PIPP is not available to customers of rural electric co-ops, municipal utilities, or users of delivered fuel.
Butler County Community Action Agency: 513-868-9300 or 888-432-7022
PO Box 1322
Hamilton, OH 45012
Clermont County Community Action Agency: 513-732-7182
2400 Clermont Center Dr., Box 103
Batavia, OH 45103
Clinton County Community Action Agency: 937-382-8365
789 N. Nelson Ave. PO Box 32
Wilmington, OH 45177
Hamilton County Community Action Agency: 513-751-2624
2904 Woodburn Avenue
Cincinnati, OH 45206
Warren County Community Services: 513-932-6301
570 N. State Rt. 741
Lebanon, OH 45036
Home Weatherization Assistance Program helps qualifying low-income homeowners and renters reduce their energy consumption while increasing the comfort of their homes through free home weatherization services.
Butler County SCOPE: 800-617-2673
PO Box 1322
Hamilton, OH 45012
Community Action Partnership of the Greater Dayton Area: 937-341-5000
719 South Main Street
Dayton, OH 45402
Serves Butler County
Clermont County Clermont County Community Services: 513-732-7182
2400 Clermont Center Dr., Box 103
Batavia, OH 45103
Clinton County Community Action Agency: 937-382-0766
789 N. Nelson Ave. PO Box 32
Wilmington, OH 45177
Hamilton County People Working Cooperatively: 513-351-7921
7107 Shona Dr.
Cincinnati, OH 45237
Duke Weatherization Program: 513-651-5100
139 East Fourth Street, PO Box 960
Cincinnati, OH 45201
Warren County Warren County Community Services: 513-932-6301
570 N. State Rt. 741
Lebanon, OH 45036
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