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United Way of Erie County Spreading the Word About Restoring Stability

United Way of Erie County has partnered with the State of Ohio to help spread the word about the Restoring Stability initiative to help Ohio homeowners prevent foreclosure, ensure stability and protect the dream of homeownership.

The state of Ohio has good news for Ohio homeowners who are struggling to pay their mortgages or who may be facing a foreclosure due to a financial hardship. Restoring Stability: A Save the Dream Ohio Initiative has helped thousands of Ohio families stay in their homes since the program's launch in 2010. The U.S. Department of Treasury allocated $570.4 million to the Ohio Housing Finance Agency (OHFA) to administer the program. The program is safe, secure and available at no cost.

Restoring Stability includes five assistance programs, providing homeowners with the best solution for their needs. Programs may be combined up to the maximum household benefit amount of $25,000.

Eligibility Requirements:

  • A financial hardship (i.e. involuntary loss of income, reduction in wages or hours, divorce, disability, death of a family member, illness or a significant increase in medical expenses);
  • A household income of less than 115 percent of the county area median income;
  • A first mortgage debt of less than $432,500; and,
  • Liquid assets (i.e. savings and checking accounts, not retirement savings) that total less than six months of mortgage payments.

Individuals who meet the eligibility criteria listed above are encouraged to register online at, over the phone at 888-404-4674, or at a participating HUD-approved Housing Counseling Agency for assistance. To find a local agency, visit