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CDBG Emergency Owner-Occupied Home Repair Program

This program is made possible by the federal Community Development Block Grant Program. A grant of up to $15,000 is available per single family owner-occupied home to assist with specific home repairs or activities that eliminate conditions detrimental to the safety and health of the residents. If required, a $300 contingency allowance in the form of a grant can be made available.

For more information, contact: City of Elyria, Office of Community Development at 440-326-1541.

Community Housing Impact and Preservation Program

The CHIP Program provides grants to eligible communities interested in undertaking housing-related activities. The grants are awarded competitively and encourage a flexible, community-wide approach to the improvement and provision of affordable housing for low- and moderate income persons, and help develop local administrative capacity. CHIP funds are provided to eligible communities through the Ohio Development Services Agency (ODSA), Office of Community Development (OCD).

Current CHIP projects can be viewed in the Office of Community Development.

**APPLICATIONS for the current CHIP Program are now CLOSED.

Heritage Home Program

The City of Elyria is pleased to announce a new partnership with the Cleveland Restoration Society Heritage Home Programs and Northwest Bank. This new partnership will make available FREE technical assistance and low interest loans to owners of homes 50 years or older in the West By The River Historic District.

The most important feature of the Heritage Home Programs is that it offers FREE Technical Assistance and advice to the owners of houses that are over 50 years old. An employee of Cleveland Restoration Society (CRS) will come out and visit your house and evaluate the types of repairs that are necessary and appropriate for the house. The CRS employee will help identify the proper materials to be used for repairs and replacements that will be consistent with the architecture and style of the home.

The free Technical Assistance and advice offered by the Heritage Home Programs is completely impartial and independent. Among some of the other Free services include:

  • Site visits to answer home repair, improvement and maintenance questions
  • Advice about increasing energy efficiency
  • Access to information on qualified local contractors
  • Evaluation of contractor bids and estimates

CRS does not have any products or services that it sells to the homeowners and does not charge the homeowner for the advice. Sometimes CRS may advise the homeowner that replacement products being recommended by salesmen or contractors are not necessary and that simple repairs are all that are needed. CRS can also provide a homeowner with a list of contractors that do the type of work that the homeowner needs. CRS will even review contractor bids and advise the homeowner on the bids. Under this Program, CRS has provided technical advice and assistance to over 12,000 homeowners in Cleveland and Northeast Ohio on projects having a value of over $257 Million.

Another feature of the Heritage Home Programs is its low-interest equity loan program. These loans are made by Northwest Bank to homeowners that are improving their houses as certified by CRS. The interest rate on these loans is a fixed rate of 2.375%/3.065% APR for up to 10 years. Heritage Home Programs loans can be for interior as well as exterior repairs, maintenance, additions and modernization projects. Kitchen and bath remodels are two popular uses of Heritage Home Programs loans. The only things that cannot be done with a Heritage Home Programs loan are luxury items such as swimming pools or hot tubs, and vinyl siding or windows.

The Heritage Home Loan is based on equity in the house. An After-Rehabilitation Loan product is also available. There are no income guidelines, but homeowners must meet Northwest Bank’s standard credit evaluation to obtain a loan. There are no out-of-pocket costs for the loan, no closing costs and no points. The interest from the loan is also tax deductible.

Additional information can be mailed directly to residents’ homes, upon request, by the Heritage Home Program or can be found online at

For more information about the program or to schedule a FREE personal appointment with a Heritage Home Program representative please call 216-426-3116 or visit the Heritage Home website at  You can also e-mail them at  

The City of Elyria Mayor’s Office would like to express our sincere appreciation to the Cleveland restoration Society and Northwest Bank for helping to make this program possible.