Home Rehabilitation Loans (HAMILTON COUNTY REVIVE + THRIVE HOME REPAIR PROGRAM) | Working In Neighborhoods
Working In Neighborhoods
1814 Dreman Avenue, Cincinnati, OH 45223
Eligibility
- Must be prescreened by UWGC 211 staff
- Open to homeowners in a participating jurisdiction in Hamilton County
- Must have occupied home for at-least 6 months
- Must be current on property taxes or on an approved payment plan
- Must be at or below 80% of the Area Median Income (AMI)
Required documents
Hours
voice | Hamilton County Revive + Thrive Home Repair Program Eligibility Screening
voice | Hamilton County Revive + Thrive Repair Program
Application process
Call 2-1-1 to complete eligibility screening. Eligible applicants will be contacted by Working in Neighborhoods to complete full application. View City of Cincinnati application and Hamilton County (non-City of Cincinnati) application.
Fees
$150 loan closing fee. This program is for a low-interest loan that must be repaid within 7-10 years.
Service area
The Revive + Thrive Program offers eligible homeowners in Hamilton County a 2% interest loan ranging from $5,000 to $25,000, depending on their ability to repay. Warsaw Federal services the loans, which must be used for home repairs in the following order of priority: addressing health hazards such as lead, mold, or asbestos; correcting existing code violations; completing other essential, non-cosmetic repairs that improve the health, safety, and livability of the home. Working in Neighborhoods serves as the program's Intake Center, assisting homeowners through the application process. Once approved, Habitat for Humanity of Greater Cincinnati manages the repairs, including hiring contractors and scheduling the work. Additionally, all payments are handled directly between vendors, so homeowners do not need to manage or transfer any funds themselves.