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Ohio HUD Approved Housing Counseling Agencies - Housing Assistance Programs Provided.
The state operates under a "judicial foreclosure" model, which serves as a critical safeguard for residents. In Ohio, a lender must file a lawsuit in the Court of Common Pleas to reclaim a property. During this time, working with a HUD-approved agency, with locations listed below, is vital, as these counselors serve as authorized intermediaries to negotiate loan modifications or "deeds-in-lieu" directly with loan servicers, often halting the legal clock while a resolution is sought.
The housing market in Ohio varies significantly by region. While cities like Columbus are experiencing rapid growth and rising property values, the "legacy cities" of the Northeast and Northwest, such as Cleveland and Toledo, often deal with aging housing stock and a higher demand for home repair grants. The following directory lists HUD-approved agencies across the state, with a focus on their unique services—ranging from property tax foreclosure prevention for seniors to specialized repair loans and bilingual support..
Central Ohio (Columbus Area)
- Apprisen
Address: 790 Jasonway Blvd, Suite 100, Columbus, OH 43214. Phone: 800-355-2227. URL: https://www.apprisen.com.
Unique Service: Offers a proprietary "IRIS" financial wellness portal for long-term budget tracking and 60+ years of local credit counseling history.
- Homeport (Columbus Housing Partnership)
Address: 3443 Agler Rd, Columbus, OH 43219. Phone: 614-221-8889. URL: https://www.homeportohio.org
Unique Service: Administers specific down payment assistance grants for Franklin County and runs the "Homeport Learning" program for new homeowners.
- Homes on the Hill
Address: 3659 Soldano Blvd, Columbus, OH 43228. Phone: 614-275-4663. URL: https://www.hoth-cdc.org
Unique Service: Strong focus on the West Side of Columbus with specialized programs for local neighborhood revitalization and property maintenance education.
- Columbus Urban League
Address: 788 Mt Vernon Ave, Columbus, OH 43203. Phone: 614-257-6300. URL: https://www.cul.org
Unique Service: Provides a "700 Club" credit score improvement program and holistic career services alongside housing counseling.
- NID-HCA Columbus
Address: 1910 E Dublin Granville Rd, Columbus, OH 43229. Phone: 614-269-8051. URL: https://www.nidhousing.com.
Unique Service: Part of a national network focused on increasing minority homeownership and providing advocacy for underserved communities.
Northeast Ohio (Cleveland, Akron, Canton, Youngstown)
- HN Housing Partners (formerly Cleveland Housing Network)
Address: 3711 Chester Ave, Cleveland, OH 44114. Phone: 216-574-7100. URL: https://chnhousingpartners.org.
Unique Service: Operates a unique Lease Purchase program that allows low-income families to transition from renting to owning their homes over time.
- ESOP (Empowering and Strengthening Ohio's People)
Address: 11890 Fairhill Rd, Cleveland, OH 44120. Phone: 216-361-0718. URL: https://www.esop-cleveland.org.
Unique Service: A subsidiary of the Benjamin Rose Institute on Aging, they specialize in senior-focused housing stability and property tax assistance.
- CHN Housing Partners (Cleveland)
2999 Payne Ave, Cleveland, OH 44114. Phone: 216-574-7100. https://chnhousingpartners.org.
Offers a unique "Lease-Purchase Program" that allows long-term renters to transition into homeownership. They provide comprehensive foreclosure prevention for Cuyahoga County.
- Community Housing Solutions
Address: 12114 Larchmere Blvd, Cleveland, OH 44120. Phone: 216-231-5815. URL: https://www.commhousingsolutions.org.
Unique Service: Combines housing counseling with an "Emergency Home Repair" program for eligible low-income homeowners in Cuyahoga County.
- ASIAN Services In Action, Inc. (ASIA)
Address: 3631 Perkins Ave, Cleveland, OH 44114. Phone: 216-881-0330 (Cleveland) or 330-535-3263 (Akron). URL: https://www.asiaohio.org.
Unique Service: Specialized counseling for New Americans and immigrants with staff fluent in over 15 Asian and African languages.
- Fair Housing Contact Service
Address: 441 Wolf Ledges Pkwy, Suite 200, Akron, OH 44311. Phone: 330-376-6191. URL: https://www.fairhousingakron.org.
Unique Service: Extensive expertise in fair housing law and discrimination investigations in addition to standard HUD counseling.
- Mustard Seed Development Center
Address: 1301 East Market Street, Akron, OH 44305. Phone: 330-631-0350. URL: http://www.mustardseedcdc.org.
Unique Service: Offers a "Financial Life Skills" curriculum tailored for first-time buyers in the Akron/Summit County region.
- Fair Housing Resource Center
Address: 1100 Mentor Ave, Painesville, OH 44077. Phone: 440-350-2694. URL: http://www.fhrc.org.
Unique Service: Operates a landlord/tenant hotline and provides specialized assistance for residents in Lake, Geauga, and Ashtabula counties.
- Youngstown Neighborhood Development Corporation (YNDC)
Address: 820 Canfield Rd, Youngstown, OH 44511. Phone: 330-480-0423. URL: http://www.yndc.org.
Unique Service: Directly facilitates home rehabilitation and vacant lot restoration through their "REVITALIZE" program.
- Home Repair Resource Center (Cleveland Heights)
2146 Noble Rd, Cleveland Heights, OH 44121. Phone: 216-381-6100. https://hrrc-ch.org.
Maintains a Tool Library and offers DIY home repair classes alongside their foreclosure prevention services to help homeowners maintain property value.
Southwest Ohio (Cincinnati, Dayton, Springfield)
- Working in Neighborhoods (WIN)
Address: 1814 Dreman Ave, Cincinnati, OH 45223. Phone: 513-541-4109. URL: https://www.wincincy.org.
Unique Service: Known for their "Energy Conservations" workshops and comprehensive foreclosure prevention clinics for Hamilton County residents. Also focuses on "Net-Zero" housing stability and provides intensive financial literacy training for residents in the Hamilton County area.
- Home Ownership Center of Greater Cincinnati
Address: 2351 Park Ave, Cincinnati, OH 45206. Phone: 513-961-2800. URL: http://hometoday.cc.
Unique Service: Provides the "eHome America" online homebuyer education platform with locally-supported certified counseling.
- Neighborhood Housing Services of Hamilton
Address: 100 S Martin Luther King Jr Blvd, Hamilton, OH 45011. Phone: 513-737-9301. URL: http://www.butlercounty-nhs.org.
Unique Service: Administers the Down Payment and Closing Cost Assistance (DPA) program for the City of Hamilton, Butler County, and Middletown.
- Neighborhood Housing Partnership of Greater Springfield
Address: 527 E Home Rd, Springfield, OH 45503. Phone: 937-322-4623. URL: https://www.springfieldnhp.org.
Unique Service: Focuses on "Pocket Neighborhood" developments and affordable senior rental housing projects.
- CountyCorp (HomeOwnership Center of Greater Dayton)
Address: 130 W Second St, Suite 1420, Dayton, OH 45402. Phone: 937-223-5000. URL: https://www.countycorp.com.
Unique Service: Serves as the primary hub for the "HomeOwnership Center" in the Dayton area, offering specialized refinance and repair loans.
Northwest Ohio (Toledo Area)
- Great Lakes Community Action Partnership (GLCAP)
Address: 127 S Main St, Fremont, OH 43420 (Serves Toledo/Northwest OH). Phone: 800-775-9767. URL: https://www.glcap.org.
Unique Service: Provides mobility management and rural housing assistance across a multi-county region in Northwest Ohio. Serves rural Northwest Ohio (Fremont) with integrated community action services, including weatherization and emergency housing repairs.
- Neighborhood Housing Services of Toledo
704 Second St, Toledo, OH 43605. Phone: 419-691-2900. https://nhstoledo.org.
Offers "Bridge Loans" and short-term assistance for homeowners who experienced temporary hardships like medical leave or brief unemployment.
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