HIP Overview

The Hamilton County Home Improvement Program (HIP) is an initiative of the Hamilton County Commissioners and the Hamilton County Treasurer. The "HIP" loan allows homeowners in Hamilton County communities to borrow money to repair or remodel their homes or rental property at interest rates 3% below the lowest rate a bank would normally offer. Loans may be used for:

Bathrooms Decks Kitchen Remodeling Plumbing

Ceilings & Walls Garages Landscaping Room Additions

Central Air & Furnaces Gutters & Roofs Paint & Carpeting Siding, Windows & Doors ... and much more!

Details

• Loans at 3% below market rate, 5 year term - only one outstanding loan at any given time

• Available in participating Hamilton County communities

• No Income Restrictions or limits (must be able to meet bank's credit requirements)

• Loans capped at $50,000

• For one-family, or two-family, and commercial properties valued up to $350,000 (based on Hamilton County Auditor's appraisal)

• Owner-occupied and investment dwellings

• No property value limit on multi-family dwellings (three or more units)

• Loans can be used for alteration, repair, maintenance or improvement

• Can also be used for code violation compliance and property upgrades

Complete Details can be found at:   http://www.hamiltoncountyohio.gov/hc/hc_hip.asp

How To Apply

1. Contact one of the following participating banks:

• Fifth Third Bank:
  
  Call your local branch office
  
  
• First Safety Bank:
  
  Call 513-242-SAFE (7233)
  
  
• KeyBank:
  
  Shelley Cummings - 513-533-7716
  
  
• North Side Bank:
  
  Call your local branch office
  
  
• US Bank:
  
  Julie Estep - 513-389-4205
  
  

Contact Information

Jay Springer, "HIP" Coordinator
Hamilton County Department of Planning and Development
138 East Court Street, Room 807
Cincinnati, OH 45202

Phone: 513.946.4459
Fax:      513.946.4475

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