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| Planning & Development Department |
| Rehabbing A Home |
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| The City of Kettering has a variety of low-interest loan programs to encourage and assist homeowners with financing necessary home repairs as well as remodeling homes throughout the City. |
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City of Kettering Housing Rehabilitation Program
Low Interest Loans and Deferred Loans
Through the City of Kettering Community Development Block Grant Program, the City sponsors a housing rehabilitation program to assist income eligible homeowners to make necessary repairs. Depending on a household’s income, a household would qualify for a loan with a 3-percent interest rate or a zero-percent interest rate. The terms of the loan are based on the applicant’s ability to repay the loan.
Deferred Loans are available for income eligible residents 62 years and older who have a limited income and lack financial resources to assume a monthly debt.
The application for a rehabilitation loan can be downloaded and printed only for your convenience. We are NOT accepting any online applications at this time. This portion of the City website is not secure for transmitting the confidential infomation this application requires. Completed applications should be delivered in person or mailed to: Planning & Development Department, City of Kettering, 3600 Shroyer Rd, Kettering OH 45429.
Download the Rehabilitation Loan Program Application |
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Several types of repairs or improvements are eligible under the Housing Rehabilitation Program:
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Heating, plumbing and electrical systems |
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Roof replacement |
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Windows and doors |
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Insulation and siding |
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| City staff works with the homeowner to identify repairs that need addressed, assist the homeowner in choosing a contractor and monitor the quality of construction with the homeowner.
To participate in the low-interest and deferred loans, qualifying residents must own and occupy a single-family residential property. The gross household income must be below the amounts listed below:
| Income Limits |
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| Family Size |
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Family Income |
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$33,700 |
| 2 |
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$38,550 |
| 3 |
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$43,350 |
| 4 |
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$48,150 |
| 5 |
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$52,000 |
| 6 |
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$55,850 |
| 7 |
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$59,700 |
| 8 |
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$63,550 |
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The housing rehabilitation program procedures are briefly described as follows:
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Once the household is determined to be income eligible, the City construction specialist performs interior and exterior inspections. |
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The homeowner seeks estimates from contractors and decides which contractor to hire. |
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The homeowner completes loan documents for the amount of the loan. A mortgage for the amount of the loan is filed. |
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The City construction specialist will inspect the project weekly with the homeowner to ensure quality construction work and that the homeowner is satisfied with the construction work. |
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Home Enhancement Loan Program (HELP)
The City of Kettering has partnered with DayAir Credit Union to offer a program to assist homeowners with obtaining home improvement financing to make substantial updates, additions and improvements to single-family homes in Kettering. |
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Program Benefits
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City of Kettering participates by providing a one-percent interest buy down with an additional one-half-percent discount provided by DayAir Credit Union to approved borrowers. |
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Appraisal and title exam costs are waived for the borrower. |
Program Loan Requirements
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Homes must be in Kettering, and the applicant must live in the home. |
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The combined total gross income of all adults residing in the home must not exceed $142,250. |
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The minimum loan amount is $15,000, and the maximum loan amount is $50,000, with a maximum term of the loan being 10 years. |
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All construction projects financed through the program must be completed within 12 months from closing. |
Eligible Home Improvements
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Loans must be used to expand living space through the construction of room additions or modify existing space to: |
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- Install additional bathrooms/lavatories |
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- Remodel/update bathrooms and kitchens |
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- Build new/enlarge garage when remodeling existing garage into living space |
Loan Procedure
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Borrower completes a DayAir Credit Union Home Equity Loan Application and a City of Kettering Home Enhancement Loan Request form at the credit union. |
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The borrower submits, with the completed application, copy of the property deed, homeowner’s insurance, year-end mortgage statement, proof of household income and written estimates of work to be completed. |
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DayAir Credit Union notifies City of loan application. |
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The borrower meets with City of Kettering Residential Plans Examiner to review project and discuss residential permit requirements to complete the project. |
For additional information, please contact DayAir Credit Union at (937) 643-2160 or the City of Kettering Planning and Development Department at (937) 296-2441.
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FHA 203K Program
In partnership with COUNTYCORP, the City is offering another tool to assist homeowners to refinance their first mortgage and incorporate the cost of planned renovation projects into one mortgage. The program provides the most favorable interest rates available and will finance a wide variety of home improvements.
For additional information, please contact COUNTYCORP Mortgage at (937) 222-8690 or the City of Kettering Planning and Development Department.
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Frequently Asked Questions
This section is currently under construction.
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