ADA City of Lorain Accessibility Improvements Building, Housing & Planning The Home Repair Loan Program may also help with ADA accessibility improvements in the home for income qualified Home Repair applicants. Residents (Tenants) who do not own Building, Housing & Program the home may also qualify if re- Planning Department pairs/improvements are approved by the homeowner (Landlord). 200 West Erie Ave, 5th Floor Lorain, OH 44052 Examples of Eligible Accommodations Ramps Phone (440) 204-2020 Fax (440) 204-2080 Grab bars www.cityoflorain.org Door widening Level door knobs/faucets Residents may meet with staff members and submit applications Toilets during the following times: Reasonable structural modifications Visual/Hearing impaired smoke Monday-Friday detectors Available to City of Lorain residents on 8:30a.m.-3:30p.m. a first come, first service basis while funds are available Home Repair 2021 HUD Income Limits Eligible Repairs The Home Repair Program is for owner occu- (SUBJECT TO CHANGE EACH YEAR PER Code Violations, such as: pied homeowners to make their home decent, HUD GUIDELINES): safe, and sanitary. Structural hazards Participation is limited to owner-occupied Per Household Income Electrical and other fire hazards households at or below 80% of area median income as established by the Department of 60 % 80% Family Gas lines Housing & Urban Development (HUD). AMI (Low Income) Size Roof repair/replacement, gutters Homes must be located in the City of Lorain, $33,060 $44,050 1 and the applicant must have lived in the proper- Repair/Replacement of heating systems/ ty for at least twelve (12) months upon applying $37,740 $50,350 2 HVAC for the program. $42,480 $56,650 3 Air conditioning systems (Must be medi- Residents who currently have a loan or have cally related with doctor’s notifications) had a loan satisfied with the City of Lorain with- $47,160 $62,900 4 in the past 5 years will not be eligible to apply. $50,940 $67,950 5 Plumbing (includes, water tank replace- ment and waterlines which may include Terms: $54,720 $73,000 6 branch lines and well pump repair or Maximum loan amount is $15,000 $58,500 $78,000 7 replacement) If a household income is at or below 60% $62,280 $83,050 8 Sewer/septic repair AMI, 100% of the loan will be deferred and forgiven over 5 years Foundation repair If a household income is above 60% AMI but Participation and Approval is subject to the Ineligible Repairs at or below 80% AMI, 20% of the total loan availability of funds for the Home will be payable over the 5 year loan term. Repair Loan Program. Detached garages 80% of the total loan is deferred and forgiv- en after the 5 year loan term Fences Each year the owner-occupant(s) remains in Fireplaces unless posing a fire hazard the home, the loan is reduced by 20% The balance of the loan amount becomes due if Landscaping the owner-occupant sells, transfers, or rents Additions the home before the 5 year period has con- cluded Drywall/ceiling repair Property taxes, home insurance, and the Cosmetic Updates mortgage must be current and maintained during the five (5) year deferment Households may only participate in this A mortgage lien will be placed on the prop- program one (1) time. erty until the deferment period has been exhausted .