Homeowner Resources

OHIO Programs and Agencies:

SAVE the DREAM: ( http://savethedream.ohio.gov
The Save the Dream Ohio (SDO) campaign is a multi-media foreclosure prevention effort aimed at helping Ohioans take action to save the dream of homeownership. Homeowners who are in foreclosure, delinquent, or fear they may miss a mortgage payment may call the Save the Dream Ohio hotline at 1-888-404-4674

  • Restoring Stability:  A Save the Dream Ohio Initiative. Starting January 1, 2012, more unemployed and underemployed Ohioans may be eligible for mortgage assistance through Learn more.

  • Rescue Payment Assistance: Provides a payment to a participating homeowner's mortgage servicer to help bring the homeowner current on his or her delinquent mortgage. Learn more.

  • Mortgage Payment Assistance: Provides up to 15 months of mortgage payments to servicers for unemployed and underemployed homeowners. Learn more.

  • Mortgage Modification with Contribution Assistance: Provides a payment to mortgage servicers to reduce a participating homeowner's mortgage principal in connection with a loan modification. Learn more.

  • Transitional Assistance: Provides homeowners who cannot sustain homeownership with an alternative to foreclosure by offering relocation assistance in connection with an approved short sale or deed-in-lieu of foreclosure. Learn more.
  • Lien Elimination Assistance: Provides a payment to a participating homeowner's mortgage servicer and other lienholders to extinguish existing liens. Learn more Lien Elimination Assistance

  • OHFA:   Ohio Housing Finace Agency ( www.ohiohome.org )

    DAYTON: (www.mvfairhousing.com)
    The Miami Valley Fair Housing Center is a comprehensive full-service fair housing center in
    Dayton, Ohio with experience in auditing and testing activities, anti-predatory lending investigation and remedy, mortgage rescue scam intervention, foreclosure prevention counseling, mortgage modifications as well as fair housing and fair lending education and outreach

    ESOP: ( www.esop-cleveland.org  ) Empowering and Strengthening Ohio’s People provides assistance to homeowners who are facing foreclosure, or struggling to make their monthly mortgage payments due to a predatory lending or hardship situation. Homeowners must currently reside in the home for which they are seeking assistance in order to be eligible for ESOP’s services.
    10 Ohio Office Locations and Phone Numbers (HERE)

    OHIO Legal Help:

    Ohio Legal Aid & Services:  (www.ohiolegalservices.org)
    Ohio State Legal Services Association® (OSLSA) is a nonprofit, publicly funded, legal services program with nine direct-service offices that provide civil representation to low-income Ohioans in 30 Ohio counties. Federal law defines low income for its eligibility as 125% of the Federal Poverty Level

    Ohio's Legal Aid offices & locations:
    White stars = Office loacations

    1 - Cincinnati: The Legal Aid Society of Greater Cincinnati ( http://www.lascinti.org/ )

    2 - Dayton and Toledo: ABLE - Advocates for Basic Legal Equity (www.ablelaw.org )
    2 - LAWO (Legal Aid of Western Ohio)
         Dayton, Defiance, Fremont, Lima, Sandusky, Springfield, and Toledo.
         Link ABLE and LAWO law office locations and phone numbers  (HERE)
    3 - Cleveland: The Legal Aid Society of Cleveland ( http://lasclev.org/ )
    4 - Counties: Community Legal Aid Services, Inc. (http://www.communitylegalaid.org )  is a non-profit law firm serving the legal needs of low income and senior Ohioans in Columbiana, Mahoning, Medina, Portage, Stark, Summit, Trumbull, and Wayne
    5 - Columbus - The Legal Aid Society of Columbus (www.columbuslegalaid.org)
          Call toll free 1-888-246-4418
    5 - SEOLS - Southeastern Ohio Legal Services® (SEOLS) (http://seols.org/) gives legal help without attorney fees (see green shaded counties above map) to people with low income and limited savings and assets. We can also serve organizations of low-income people. We handle cases for people who are being evicted, locked out, or had utilities shut off, or who are having difficulty getting the landlord to make repairs. We also help tenants enforce the special rules for federal or state subsidized housing (Metropolitan Housing, FHA, Rural Development, Section 8, etc.). We also handle some foreclosure cases and land contract problems, as well as housing discrimination
    Pro Seniors - Helping Older Ohioans with Legal issues ( www.proseniors.org )

    Disbility Rights Ohio - (www.disabilityrightsohio.org) is a non-profit corporation with a mission to advocate for the human, civil, and legal rights of people with disabilities in Ohio. Disability Rights Ohio replaced Ohio Legal Rights Service as Ohio's Protection and Advocacy (P&A) system and Client Assistance Program (CAP) on October 1, 2012.

    Ohio Poverty Law Center (OPLC): ( www.ohiopovertylawcenter.org ) 1-614-221-7201
    The Ohio Poverty Law Center (OPLC) pursues statewide policy and systemic advocacy to expand, protect and enforce the legal rights of low-income Ohioans.  OPLC also provides assistance to and collaborates with the Ohio legal aid community as the legal services state support center for Ohio.  OPLC attorneys are experienced poverty law advocates who work both independently and as a team to address pressing issues facing low-income Ohioans statewide

    Ohio ATTORNEY GENERAL Office: ( www.ohioattorneygeneral.gov )
     - FORECLOSURE frequently asked questions: (HERE)
     - FORECLOSURE Mediation and information (HERE)
     - File A Complaint with Attorney General office (HERE)

    Ohio Government Representatives:
    Contact Congressional offices:
    Ohio House of Representatives

    Ohio Senate
    Governor's Office

    Federal Agencies & Federal Help:

    1-888-995-HOPE (4673)

    HAMP - Home Affordable Mortgage Program ( www.makinghomeaffordable.gov )
    Note: Making Home Affordable program has been extended!  In an effort to enable more struggling homeowners to take advantage of the Making Home Affordable Program ®, we have extended the application deadline of the program to December 31, 2013.
    The eligibility criteria has been expanded to be able to offer assistance to more struggling homeowners
     - Explore all of the Making Home Affordable programs (HERE) or link to any below
    NATIONAL MORTGAGE SETTLEMENT: ( www.nationalmortgagesettlement.com )
    Ohio Attorney General Mike DeWine announced that the proposed settlement with Bank of America, JPMorgan Chase, Wells Fargo, Citibank, and GMAC will result in approximately $25 billion dollars in monetary sanctions and relief. The national settlement follows nearly a full year of intensive negotiations between the five banks/servicers and a coalition of state attorneys general and federal agencies, including the Departments of Justice (DOJ), Treasury, and Housing and Urban Development(HUD). The resulting settlement addresses the primary goals of the multistate settlement to provide immediate relief to enable struggling homeowners to avoid foreclosure; to bring badly needed reform to the mortgage servicing industry; to ensure that foreclosures are lawfully conducted; and to penalize the servicers/banks for robo-signing and servicing misconduct.

    The National Fair Housing Alliance

    Founded in 1988, the National Fair Housing Alliance is a consortium of more than 220 private, nonprofit fair housing organizations, state and local civil rights agencies, and individuals from throughout the United States. Headquartered in Washington, D.C., the National Fair Housing Alliance, through comprehensive education, advocacy and enforcement programs, provides equal access to apartments, houses, mortgage loans and insurance policies for all residents in the nation.

    HUD - U.S. Department of Housing & Urban development ( OHIO )
    Cincinnati HUD Office
    Cleveland HUD Office
    Columbus HUD Office
    HUD's Office of Housing
    VA - U.S. Department of Veterans Administration (http://www.benefits.va.gov/homeloans/ )