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OHFA Lead Paint Safe Pilot Loan Pilot Program for Qualified Toledo and Cleveland Homeowners Guidelines

For a limited time, the Ohio Housing Finance Agency (OHFA) in collaboration with Huntington National Bank is offering low-interest home repair loans for homeowners living in the cities of Toledo and Cleveland. These homeowners may have potential lead paint hazards and require help to pay for the costs to make their homes Lead Safe.

Lead Safe means making sure a home does not pose a lead risk before a child could be poisoned. A home is lead safe when lead risks – known as lead hazards - have been controlled so that the concentration of leaded dust remains below the threshold set by the U.S. Environmental Protection Agency. This means a lead safe home is no longer hazardous, but may still contain lead.


The Lead Paint Problem

Lead exposure, as small as a single grain of sugar per day, can lead to traumatic health outcomes for children and families. Because the majority of Toledo's and Cleveland's housing stock was built before 1978, Toledo and Cleveland residents have inherited a large, toxic legacy of lead paint. Every year, hundreds of Toledo and Cleveland children test high for lead in their blood, 5 μg/dL or greater. There is no safe level of lead in the bloodstream. 5 μg/dL represents the highest 2.5% of children ages 1-5 in the entire U.S. population. You can read more about elevated blood lead levels on the CDC's website. If you live in house built before 1978, you and your family are at risk of being exposed to lead paint.

Possible signs and symptoms of lead poisoning in children are:

  • Developmental delay
  • Learning difficulties
  • Irritability
  • Loss of appetite
  • Weight loss
  • Sluggishness and fatigue
  • Abdominal pain
  • Vomiting
  • Constipation
  • Hearing loss
  • Seizures
  • Eating things, such as paint chips, that aren't food (pica)

Lead poisoning affects young children and pregnant women most severely, and the damage can last the rest of that person's life. There is no cure for lead poisoning, though some treatment options are available. If you suspect you or your child is suffering from lead poisoning, consult your doctor immediately and request a test. The Toledo Lucas County Health Department also performs lead testing.


Loan Amount Limits

Minimum Loan Amount: $4,000
Maximum Loan Amount: $15,000


Eligible Uses for Loan

Costs for interim lead paint hazard control repair measures to make a home Lead Safe, together with related inspection(s), clearance costs and closing costs.

A lead paint assessment prepared by an Ohio licensed lead risk assessor is required prior to loan underwriting in order to determine the scope of work and loan size. Assistance may be available to help pay for an up-front appraisal and lead assessment.

Repair measures may include paint film stabilization (repainting), treatment to minimize friction, treatment to prevent impact, cover to prevent chewing, specialized cleaning, and covering/restricting access. 100% lead paint abatement is not required unless no viable alternatives are identified in the lead paint assessment.

An EPA Lead Renovation, Repair, & Repainting (RRP) certified lead safe worker, or a lead abatement contractor can complete the interim lead paint hazard control repair measures. A lead abatement contractor maintains a higher level of certification, but all of their services are not required for lead safe remediation. Remember to ask for proof of certification, bonding and insurance when searching for a contractor.

Relocation expenses of the owner occupants during the repair work in order to protect the occupants are also eligible for reimbursement.


Loan Interest Rates

  • For borrowers with incomes at or below 80% AMGI, minimum interest rate = 1%
  • For borrowers with incomes between 80% AMGI and 120% AMGI, minimum interest rate = 1.5%
  • [final rate dependent on total housing cost ratio]

Loan Terms

All loans require monthly payments amortized over 10 to 20 years depending on loan amount and borrower's income.

  • For loan amounts between $4,000 and $10,000, a loan term and amortization period up to 10 years is allowable.
  • For loan amounts between $10,000 and $15,000, a loan term and amortization period up to 20 years is allowable.

Loan term, interest rate and amortization period shall be modified so that a borrower's total monthly housing costs will not exceed 30% of monthly income.


Eligible Homes

1-unit owner occupied structures built before 1978 and located within the city limits of Toledo or Cleveland.


Income Restrictions

Borrower income shall not exceed 120% of the 2022 Area Median Gross Income for Lucas (Toledo) or Cuyahoga (Cleveland) Counties.

2022 Lucas County Income Limits
Household Size 80% AMI 100% AMI 120% AMI
1 Person $43,600 $54,500 $65,350
2 Person $49,800 $62,250 $74,700
3 Person $56,050 $70,050 $84,050
4 Person $62,250 $77,800 $93,350
5 Person $67,250 $84,050 $100,850
6 Person $72,250 $90,250 $108,300
7 Person $77,200 $96,500 $115,800
8 Person $82,200 $102,700 $123,250

2022 Cuyahoga County Income Limits
Household Size 80% AMI 100% AMI 120% AMI
1 Person $47,850 $59,800 $71,750
2 Person $54,650 $68,350 $82,000
3 Person $61,500 $76,900 $92,250
4 Person $68,300 $85,400 $102,500
5 Person $73,800 $92,250 $110,700
6 Person $79,250 $99,100 $118,900
7 Person $84,700 $105,900 $127,100
8 Person $90,200 $112,750 $135,300

Home Equity Requirement

Borrowers must currently have unrestricted equity in their home. The combined loan to value including the OHFA lead paint safe loan and existing first mortgage may not exceed 105%. Borrowers with incomes at or below 80% AMGI are not required to obtain an appraisal of the property and may rely on the most recent appraisal conducted by the county auditor. Borrower also has the option to order an as-is appraisal to confirm home value. As –approved appraisals are required for borrowers with incomes greater than 80% AMGI and loan amounts of $10,000 or more.


Underwriting Requirements

  • Debt to Income (DTI) ratio may not exceed 43%.
  • Minimum FICO score of 640 is required.
  • Borrowers must document on-time first mortgage payments for the last 12 months and must be current with all payments.

Maximum Cumulative Loan to Value (CLTV)

Borrowers must currently have unrestricted equity in their home. The CLTV including the OHFA lead paint safe loan and existing first mortgage may not exceed 105%. Borrowers with incomes at or below 80% AMGI are not required to obtain an appraisal of the property and may rely on the most recent appraisal conducted by the county auditor. As –approved appraisals are required for borrowers with incomes greater than 80% AMGI and loan amounts of $10,000 or more.


Security Requirements

Second mortgage on the property.


Lead Paint Clearance Requirements

After work is completed and prior to funding the loan, the home must pass a lead paint clearance examination in accordance with standards prescribed in rules adopted under O.R.C. 3742.03 or O.R.C. 3742.45 a lead clearance examination. The examination must be performed by an Ohio-licensed lead risk assessor, lead inspector, or clearance technician.


Application Window – *Second Update*

Eligible homeowners may apply for a loan at the Huntington National Bank Branch listed below beginning on July 15, 2022 through October 1, 2022. Funding is limited and applications will be accepted until the earlier of the date all funds are reserved or October 1, 2022.


Application Contacts

Huntington Bank
Toledo primary contacts: Julia M. Dudley-Lee
Julia.M.Bryant@Huntington.com
The Huntington National Bank
NMLS ID: 830325
Phone: 419.574.0350
Kelly DeVenne
kelly.devenney@huntington.com
(Mortgage Loan Officer)
The Huntington National Bank
NMLS ID: 563779
Phone: 419.343.5598
Application Contact By Address
Bank Address City Zip Code
Arrowhead Park 597 W. Dussel Dr. Maumee 43537
Franklin Park 4105 Talmadge Rd. Toledo 43623
Glengate 4773 Glendale Ave. Toledo 43614
Heatherdowns 4700 Heatherdowns Blvd. Toledo 43614
Jermain Park 3711 Monroe St. Toledo 43606
McCord Central 6655 West Central Avenue Toledo 43617
Oregon 3351 Navarre Avenue Oregon 43616
Point Place 5201 N. Summit St. Toledo 43611
Saxon Square 3950 McCord Rd. Toledo 43617
Spring Meadows 1311 McCord Rd. Holland 43528
Sylvania 6370 Monroe Street Sylvania 43560
Toledo Corporate 519 Madison Ave. Toledo 43604
Toledo Madison Remote Drive-Thru 800 Madison Ave. Toledo 43604
University of Toledo Gateway 1440 Secor Rd., Suite 120C Toledo 43607
University of Toledo Student Union Office 2801 West Bancroft Street Toledo 43606
Wernerts Corner 2310 Laskey Rd. Toledo 43613
Westgate 3546 W. Central Ave. Toledo 43606

Huntington Bank
Cleveland primary contacts: DaQuri Mays (Mortgage Loan Officer)
NMLS ID: 1212326
Cell: 216.333.6664
Fax: 888.987.8581
DaQuri.E.Mays@huntington.com
Tony Segedi (Mortgage Loan Officer)
NMLS ID: 999212
Office: 216.515.0410
Mobile: 330.241.1928
Fax: 888.987.9431
Tony.R.Segedi@huntington.com
Application Contact By Address
Bank Address City Zip Code
Bay Village 355 Dover Center Road Bay Village 44140
Berea 40 Front Street Berea 44017
Berea Remote Drive-Thru 31 E Bridge St. Berea 44107
Broadview Heights 9220 Broadview Road Broadview Heights 44147
Brookgate 5881 Smith Road Brook Park 44142
Brooklyn 4260 Ridge Road Cleveland 44114
Buckeye 11623 Buckeye Road Brook Park 44120
Cedar Center 14100 Cedar Rd Cleveland 44121
Chagrin Falls 98 N. Main St. Chagrin Falls 44022
Chester Ave 10001 Chester Ave. Cleveland 44106
Cleveland East 920 E. 185th St. Cleveland 44119
Cleveland Heights 1865 Coventry Rd. Cleveland Heights 44118
Cleveland State Main Classroom 1899 East 22nd St. Cleveland 44115
Euclid East 1545 E. 260th St. Euclid 44132
Euclid Ninth 905 Euclid Avenue Cleveland 44115
Fairmount Circle 20601 Fairmount Blvd. Shaker Heights 44118
Glenville 10573 St. Clair Ave. Cleveland 44108
Harvard Avenue 7021 Harvard Ave. Cleveland 44105
Lakewood East 11801 Clifton Blvd. Lakewood 44107
Lakewood West 15111 Detroit Avenue Lakewood 44107
Lee Harvard 16910 Harvard Ave. Cleveland 44128
Mayfield Heights 6341 Mayfield Road Mayfield Heights 44124
North Olmsted – Lorain Road 29095 Lorain Road North Olmsted 44070
Parmatown 6660 Ridge Road Parma 44129
Parmatown Remote Drive-Thru 6690 Ridge Road Parma 44129
Pavilion Mall 24615 Chagrin Blvd. Beachwood 44122
Pepper Pike 3637 Lander Rd. Pepper Pike 44124
Public Square 200 Public Square Cleveland 44114
Richmond Heights 5249 Wilson Mills Road Richmond Heights 44143
Rocky River South 19975 Center Ridge Road Rocky River 44116
Shaker Heights 17121 Chagrin Blvd. Shaker Heights 44120
Slavic Village 5703 Broadway Rd. Cleveland 44127
Solon 33175 Aurora Road Solon 44139
Strongsville 13866 Pearl Road Strongsville 44136
Turney Dunham 6134 Dunham Road Maple Heights 44137
Turneytown 4932 Turney Road Garfield Heights 44125
Westlake – Crocker 2055 Crocker Road Westlake 44145
West Park 3199 Berea Road Cleveland 44111

Additional Resources


Disclosure Statement

Equal Housing Lender The Huntington National Bank is an Equal Housing Lender and Member FDIC. Loans subject to credit application and approval. ⬢®, Huntington® and ⬢Huntington® are federally registered service marks of Huntington Bancshares Incorporated. ©2021 Huntington Bancshares Incorporated.


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