United North has been assisting our ONE Village neighbors in various ways since 1990 through several popular programs:
DOWN PAYMENT ASSISTANCE AND CREDIT COUNSELING:
Two major obstacles to home ownership are down payments and past credit issues. Credit counseling is available through United North with continued counseling available through Neighborhood Housing Services. The City of Toledo offers down payment assistance to those that qualify and choose a pre-qualified lender. Area lenders also offer a variety of homebuyer loan programs. Property tax abatements are included with each renovated and newly constructed home and can decrease monthly house payments and out-of-pocket expenses.
CURB APPEAL PROJECT:
It’s simple. We supply the landscaping and paint for the exterior of your home or business, and you provide the labor. Since 1995 over 1,500 homes have received exterior face-lifts thanks to the Lagrange Street Polish Festival and the Annual Golf Classic. United North can also provide live plants such as trees, bushes, perennial flowers and plants for homeowners, tenants or business owners. Senior citizens and disabled homeowners may also receive labor assistance through partnering non-profits and volunteers.
Homeowners, property owners, tenants, and businesses in the United North service areas are eligible. There is a waiting list, and you must participate in one neighborhood clean up effort organized by United North.
EMERGENCY HOME REPAIR PROGRAMS:
Since 1998 over $650,000 has been expended to assist low-income homeowners within ONE Village with emergency repairs. This program covers emergency repairs to owner-occupied homes for low-income home owners who have occupied their homes for at least one year, are current on their property taxes, and are in good standing with their lenders. The homes must be located within the Woodward High School target area in ONE Village (within the boundaries of the target area: Manhattan Blvd., Buckeye Street, Spring Street and Elm Street).
Electrical and plumbing upgrades, roof replacement, heating system repair/replacement, and handicap accessibility assistance lead the list of much needed emergency home repairs to owner-occupied properties. With partners such as the Toledo Housing Trust Fund, Neighborhood Housing Services, and Northwest Ohio Development Agency, homeowners who otherwise may have to move now see increased property values.
OWNER-OCCUPIED REPAIR PROGRAM:
United North works with the City of Toledo to assist ONE Village homeowners with housing code upgrades – including electric, plumbing, furnace and roofs – in targeted areas near the new Sherman and Chase Elementary School buildings. Household income must be below 80% of the median area income, and homeowners must have an acceptable credit report and be current on local, state and federal taxes.
EOPA EMERGENCY REPAIR PROGRAM:
United North partners with the City of Toledo and the Economic Opportunity Planning Association (EOPA) to assist qualified homeowners in ONE Village who have a household income below 50% of the median area income with emergency home repairs such as electrical, plumbing, furnace, roofs and handicap-accessible items.
SHERMAN RENTAL REHAB PROGRAM:
United North is filling the missing piece needed to improve all property values within the boundaries of Cherry, Bancroft, Lagrange and Delaware Streets. The Sherman Rental Rehab Program is underway and, if qualified, you may receive up to $30,000 (per unit) worth of repairs to your home. Eligible properties include rental homes - single family, two-unit, or properties where the owner is living in one of the units. We can help bring property taxes current, acquire insurance that meets established guidelines for electrical and plumbing upgrades, and help with furnace and roof replacement, exterior paint, windows and door replacement, foundation repairs, and roof and gutter replacement. This program also provides a forgivable mortgage not to exceed 15 years with no monthly payments or interest during the period of affordability. Tenants income will be tracked for the period of affordability.
For more information or to check your eligibility for any of these programs,
e-mail at: firstname.lastname@example.org or call (419) 255-8406, Ext. 309.