Offers down payment and closing cost assistance to first-time home buyers who are purchasing within the City of Lima. Prospective homeowners can earn up to $10,000 towards down payment closing costs. Client will participate in mandatory home ownership classes. Homeowners who remain in their homes for 5 years can have their $10,000 loan totally forgiven.

A Direct Loan Program is available to purchase modest homes in rural areas, which requires no down payment and may include subsidized payments.

Issues mortgage loan funds to assist low-income individuals or households with the purchase of a home in a rural area. Funds can be used to purchase an existing home or build a new home.

Provides below market rate mortgages for home purchases. Mortgage does not require down payment or closing costs. Participants receive home ownership counseling. They are a HUD Certified Housing Counseling Site.

Provides loans to purchase homes and provides home rehabilitation grants for older adults. (in eligible rural areas)

Offers an array of services including foreclosure prevention, credit and budget counseling, financial education, and homebuyer education (including down payment assistance).

Provides financial and other forms of assistance to veterans, their dependents and survivors. Major benefits include veterans’ compensation, veterans’ pension, survivors’ benefits, rehabilitation, employment assistance, education assistance, home loan guaranties, health insurance, burial benefits and life insurance coverage.

Provides foreclosure prevention loan modification and refinancing programs.

USDA Rural Development assists homeowners with foreclosure prevention and refinancing programs.

Offers a mortgage rate discount to full-time employees in the following professions: Active Military, Emergency Medical Technicians, Firefighters, Healthcare Workers, Military Veterans, Paramedics, Police Officers and Teachers.

Provides important information regarding the various programs implemented under TARP, including those designed to help struggling homeowners avoid foreclosure.

Provides various options for refinancing home loans.

Government subsidized low income rural homes available for buyers in rural areas who do not have decent housing

Also known as the Section 502 Direct Loan Program, this program assists low- and very-low-income applicants obtain decent, safe and sanitary housing in eligible rural areas by providing payment assistance to increase an applicant’s repayment ability. Payment assistance is a type of subsidy that reduces the mortgage payment for a short time. The amount of assistance is determined by the adjusted family income.

Provides land-use and infrastructure planning, grant writing, economic development, fair housing local government contact (except for Warren and Niles), affordable housing, zoning and subdivision reviews, floodplain administration, mapping, and information services. Most funding programs and services provided are available to persons living outside of most cities and villages. Please call to request information for each program as it varies.

Offers purchasing assistance to first-time homebuyers. Assistance may include obtaining a 30-year fixed mortgage loan and grants for down payment assistance.

Offers qualifying first-time homebuyers the opportunities to choose from conventional and government-insured loans, all with 30-year fixed-rate mortgages, competitive interest rates, and down payment assistance to reduce out-of-pocket expenses. - Government-insured loans including traditional Federal Housing Administration (FHA), VA, USDA-Rural Development loans, and 203-K (streamline).

Provides information regarding veterans benefits.

Provides a home loan guaranty benefit and other housing-related programs to help veterans buy, build, repair, retain, or adapt a home for their own personal occupancy. Veterans Affairs (VA) Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide more favorable terms to veterans. In most cases, the mortgage is low interest and no down payment or mortgage insurance payments required. Will provide mortgage counseling to participating veterans who are having difficulties with paying their mortgage or who may already be in default. Mortgage counselors will provide information concerning the foreclosure process and what the veteran's rights and responsibilities are in that situation. Will attempt to seek solutions with the lender to help the veteran keep the home and will take complaints from veterans against their mortgage provider.

Provides veterans with assistance in applying for various social services. For Hamilton and Middletown offices

Provides home purchase and home mortgage finance loans.

Provides assistance finding affordable housing; also provides case management and supportive services.

Provides 30-year, fixed-rate mortgages to those who are not first-time homebuyers. Available loans include conventional, Federal Housing Administration (FHA), VA, and USDA-Rural Development government loans.

Government subsidized low income rural homes available for buyers in rural areas who do not have decent housing

Provides deferred, no-interest loan assistance to qualified first-time home buyers. This is a second mortgage up to $10,000 for condo or single family home and up to $14,000 for two-family home. No monthly payment (repayment is due when property is sold, transferred, or ceases to be owner occupied). Participants must receive pre-purchase counseling to become more informed homeowners.