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Local Resources and Support
At 'Ohio Local Home Buyers', we believe that access to education and community resources is key to making informed decisions. On this page, we’ve curated a collection of helpful links and resources designed to support homeowners of all ages, first-time buyers, and anyone looking to navigate the real estate process.
Our goal is to provide valuable information that helps:
Homeowners—whether you're looking to stay in your home or need assistance with home-related challenges.
First-time buyers—guidance and resources to help you make confident home buying decisions.
Anyone navigating real estate in our community—offering tools, tips, and support for your journey.
We are committed to supporting you every step of the way!
Resources for Ohio Homeowners
Foreclosure, Mortgage, and Housing Counseling
If you are behind on mortgage payments, facing foreclosure, or unsure which housing option is right for you, consider speaking with an independent HUD-approved housing counselor before making a decision.
HUD resources for Ohio homeowners:
https://www.hud.gov/states/ohio
Find a HUD-approved housing counselor or call 800-569-4287:
https://www.hud.gov/counseling
Ohio foreclosure mediation information:
https://www.supremecourt.ohio.gov/courts/services-to-courts/dispute-resolution/foreclosure/
These organizations are independent of Ohio Local Home Buyers. Review the services, eligibility requirements, and current information directly with the organization.
First-Time Home Buyer Checklist
First-Time Home Buyer Checklist
This basic checklist can help first-time home buyers prepare for the process.
1. Review your finances
Check your credit, build savings for a down payment, and budget for closing costs. Loan requirements vary by lender and program. Lowering your debt-to-income ratio may improve your chances of loan approval.
2. Explore Ohio programs
The Ohio Housing Finance Agency (OHFA) offers eligible buyers mortgage and assistance programs, including down payment assistance, Ohio Heroes, Grants for Grads, and Mortgage Tax Credit options. Program terms and eligibility can change, so review the current official information:
https://ohiohome.org/homebuyers.aspx
3. Get pre-approved
Meet with a qualified lender before touring homes. A pre-approval can help you understand your price range, estimated payment, and available loan options.
4. Choose a real estate agent
Look for a licensed agent who knows your target area and property type. An agent can help with offers, inspections, negotiations, and transaction details.
5. Research neighborhoods
Consider property taxes, commute times, school districts, local services, and the amenities that matter to you.
6. Plan for inspection and appraisal
An independent home inspection can identify property concerns. Your lender may also require an appraisal. Costs and requirements vary.
7. Budget beyond the mortgage
Plan for property taxes, homeowners insurance, utilities, maintenance, and any applicable association fees.
8. Complete a final walkthrough
Before closing, confirm that the property is in the agreed-upon condition.
Resources for Senior Homeowners
Ohio Department of Aging
Explore programs and services for older Ohioans:
https://aging.ohio.gov
Cleveland Home Repair Programs
Review current City of Cleveland assistance information for eligible homeowners, seniors, and adults with disabilities:
https://www.clevelandohio.gov/city-hall/departments/community-development/programs-services/home-repair
USDA Single Family Housing Repair Loans & Grants (Section 504)
This federal program may help eligible very-low-income rural homeowners repair, improve, or modernize their homes; grants may be available to eligible homeowners age 62 or older to address health and safety hazards:
https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants
Disclosure
This page provides general educational information and is not intended as legal or financial advice. If you need legal or financial advice, please consult a qualified attorney or financial professional.
Last reviewed: October 5, 2026
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