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Hamilton County - Home Improvement Program

Last Review: 2012-12-03
Incentive Type: Local Loan Program
Eligible Efficiency Technologies: Furnaces, Heat pumps, Central Air conditioners, Building Insulation, Windows, Doors, Siding, Roofs, Passive Solar Space Heat, Solar Water Heat, Photovoltaics, Wind, Daylighting
Applicable Sectors: Commercial
Terms: Interest rate: 3% below market rate
Length: 5 years
Incentive Amount: 1,500-50,000
Website: http://www.hamiltoncountyohio.gov/hc/hc_hip.asp


The Home Improvement Program (HIP) in Hamilton County, Ohio, originally opened in 2002, and was reinstated in May 2008. The HIP loan allows homeowners in Hamilton County communities to borrow money to repair or remodel homes or rental property at interest rates 3% below the lowest rate a bank would normally offer. The following banks participate: Fifth Third Bank, U.S. Bank, KeyBank, North Side Bank and First Safety Bank. The HIP loan is usually structured as a home equity loan, secured by a second mortgage on the property. Credit requirements apply.

Eligible residential (one- or two-family homes) and commercial properties must have an assessed value of less than $350,000 and must be current on property tax payments. There is no property value limit on multi-family dwellings (three or more units). Loans may be used for alteration, repair, maintenance or improvements, including renewable energy and energy efficiency improvements, although funds may not be used for luxury projects (e.g., swimming pools, hot tubs) or for free-standing appliances. Appliances that are permanently installed are permissible.

Jay Springer
Hamilton County Department of Planning and Development
138 East Court Street
Room 807
Cincinnati, OH 45202
Phone:(513) 946-4459 Ext.
Phone 2:()
Email: jay.springer@hamilton-co.org
Web site: http://www.hamiltoncountyohio.gov/


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