Cleveland Restoration Society
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- Vivian Holt
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2 Cleveland Restoration Society uses the powerful tool of historic preservation to revitalize our diverse communities, strengthen the regional economy, and enhance the quality of life in northeastern Ohio. Is the largest non-governmental, regional historic preservation organization in Ohio. Has a staff of 12 full-time professionals. Is headquartered in a restored historic building in downtown Cleveland. $1M annual operating budget.
3 Historic Preservation = Neighborhood Development Positive Reinvestment Increase Property Values Investor Confidence Before Neighborhood Stability After
4 Economic Impact Study By Cleveland State University Disproportionate increase in value for: Houses in Heritage Home Program SM Houses within 1/10 th of a mile of an HHP SM house
5 5 Economic Impact Study By Cleveland State University Homeowners in HHP stayed in their houses longer 1/10 th the rate of foreclosures HHP Loans
6 What is the Heritage Home Program? 1. Free Technical Assistance and advice on home maintenance or improvement Before 2. Low-Interest Financing to cover project costs After
7 General Eligibility Requirements: House is at least 50 years old it does not need to be historic House contains 3 units or less and is zoned as residential House is in a participating community
8 Impartial Advice What is Technical Assistance? Preservation approach to maintenance, repair & improvements
9 Site visits to review any and all issues of the homeowner
10 Project Prioritization To decide on what should be done first
11 Contractor Resources Provide contractor names Review estimates
12 Energy Efficiency Insulation / Ventilation Window repair Storm windows Weatherization methods
13 Restoration Guidance BEFORE AFTER
14 Color Consultation BEFORE AFTER
15
16 What is the Heritage Home Program SM? 2) Project Financing fixed-rate financing as low as 1.99% to cover project costs Construction specifications provided for exterior projects Interior & exterior projects qualify 16
17 Exterior Painting Window repair & replacement Roof repair & replacement Porch repair Masonry work ADDITIONS Basement waterproofing Storm windows What types of projects are eligible for the loan? INTERIOR Wood floor refinishing Electrical Energy audits & insulation Fireplace Bathroom Remodel Carpentry Chimney repair Plumbing Basement Finishing EXTERIOR Air Conditioning Kitchen Remodel Reconfigure interior spaces Interior Painting Furnace
18 What Types of Projects Are Not Eligible? Vinyl Siding Vinyl windows Swimming pools Non-built in appliances Incompatible additions & building materials Landscaping
19 Guidelines for Additions
20 Heritage Home Program SM Loan FAQs No prepayment penalty Will work with DIY Interest from the loan is tax deductible 2% fixed rate Minimum loan amount = $3K Maximum loan amount = $150,000K 5-10 year term Homeowner meets bank lending guidelines Loan is based on equity established by an afterrehabilitation appraisal Minimal fees: Loan origination, Program (max: 2% of total loan), appraisal and escrow fees
21 Heritage Home Program SM Loan FAQs No prepayment penalty Will work with DIY Interest from the loan is tax deductible 1.99% fixed rate Minimum loan amount = $10K Maximum loan amount = $150,000K 15 year term Homeowner meets bank lending guidelines Loan can be based on equity established by an afterrehabilitation appraisal Minimal fees: Loan origination, Program (max: 2% of total loan), and escrow fees
22 Site Visit Application Process Obtain written estimates for approved projects Submit application with written estimates to HHP Start banking application Escrow Agent After-Rehab Appraisal Specialty Loan Procedures
23 $7,250 Loan: Exterior Painting BEFORE AFTER
24 $11,308 Loan: Front Porch Rebuild
25 $16,000 Loan: 2 Bathroom Remodels
26 $25,000 Loan: Roof replacement Exterior painting and carpentry repairs Tuck-pointing
27 $42,000 Loan: Kitchen and Bath Remodel Floor refinishing
28 $112,000 Loan: 2 1/2 bath remodels Kitchen expansion BEFORE Created rear entry Refinish floors Window repair New storms New furnace Interior finishes AFTER
29 $87,700 Loan: Mechanicals 2 Bathrooms Drywall/painting Floors $37,100 Loan: Kitchen remodel Siding repairs Exterior paint $30,000 Loan: Finish attic Finish basement Insulation
30 25 Years of Reinvestment in the Community! 12,398 Technical Assists valued at $257m 1,427 Loans valued at $54m Available to residents in 39 communities
31 Heritage Home Program SM Website
32 For more information, please contact: Trudy Andrzejewski Heritage Home Program Associate (216) Elizabeth Cardarelli Heritage Home Program Associate (216) Thank you!
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