You are here: Home Page > Community Development > Housing Programs > Four Component (4COM) Home Repair Loans

Four Component (4COM) Home Repair Loans

Four Component (4COM) Home Repair Loan Program

The Four Component (4COM) Home Repair Loan Program is designed to assist low-and-moderate income homeowners with the repair and /or replacement of the following four major housing components: Roof, Electrical, Furnace, and Plumbing – including sanitary sewer connections. The goal of 4COM is to not only maintain the structural integrity and essential operations of the house, but also to efficiently utilize funds from the U.S. Department of Housing and Urban Development (HUD) to benefit (51) Urban County Communities throughout Cuyahoga County. The initial inspection is performed by a Building Rehabilitation Specialist. The scope of work is then determined by a Housing Committee within the Department of Development. Please note – often times the need for assistance is greater than the resources available so there is usually a waiting list for the 4COM program.

Loans are offered at below-market interest rates, and loan amounts are based upon approved housing specifications (scope of work) with terms up to 20 years. Interest rate and term of loan depend on yearly (gross) income and are available for one to four-family owner occupied homes. The following required services are provided by 4COM: title search, credit check and property appraisal. Senior citizens at or above 62 year of age who meet eligibility and income criteria may qualify for a deferred loan: Payments are deferred and the full loan amount becomes due when the property transfers title.

How to Apply:

Click here to fill out and print an application.  Applications should be mailed to the address below.

Cuyahoga County Department of Development
2079 East 9th St., 7st Floor
Cleveland, Ohio  44115
(216) 348-4066
Ohio Relay Service:  711

If you live in one of the following Entitlement Cities, please call the telephone numbers listed below to inquire about your community’s home repair programs:

Cleveland Residents  (216) 664-4133 
Cleveland Heights Residents  (216) 291-4869 
Brecksville Residents  (440) 526-4351 
East Cleveland Residents  (216) 681-5020 
Euclid Residents  (216) 289-4625 
Hunting Valley Residents  (440) 247-6106 
Lakewood Residents  (216) 529-5906 
Parma Residents  (216) 661-7372