The City of Kettering provides several financial tools to assist homebuyers and homeowners to reach their housing goals within the City. If you are looking to purchase your first home, finance repairs needed for your home or reinvest in your home by remodeling or expanding your living space, the City has a variety of programs available.

Key programs available are:

First-Time Homebuyers Program

The guidelines for this program have changed for 2008.  Please see the Buying A Home page for more information.

Housing Rehabilitation Program
This program provides low-interest loans to income eligible homeowners to make needed repairs to their home. This program also provides deferred loans for qualified elderly and disabled.  For more information about this program, please see our frequently asked questions (FAQs) section at the bottom of our Rehabbing A Home page.

Purchase Rehabilitation Program

This program has not been funded for 2007 and is no longer available.

Home Enhancement Loan Program
This program, in partnership with DayAir Credit Union, provides a 2.5% discount to income eligible homeowners planning a major remodeling project or addition to their home.

In-fill Housing
This program provides new housing opportunities for homebuyers as a result of the City selling City-owned lots to housing developers to build new homes. To have the greatest number of eligible homebuyers, the City provides financial assistance to income eligible homebuyers to purchase the homes.