The Northwest Ohio Homeownership Development Agency (NOHDA) was created and incorporated on May 28th, 1998. As a HUD Approved Housing Counseling Agency, NOHDA is trained and approved by HUD to provide tools to current and prospective homeowners that will assist them in making responsible decisions to address their housing needs.
It is NOHDA’s mission to prepare individuals and families for the financial responsibility of homeownership through counseling, foreclosure intervention, and education. Our vision of “Empowerment Through Homeownership” underscores a shared believe that homeownership raises the bar for families, individuals, and the communities we live in. Responsible homeownership leads to safe and stable communities that provide positive economic energy to the growth of the entire region.
"Empowerment Through Homeownership"
NOHDA strives to offer a variety of supportive services to not only address immediate needs, but develop the skills necessary to achieve long-term financial stability. Recipients of NOHDA’s services are better prepared to avoid future financial pitfalls, and gain a strong foundation that enables them to pursue other aspirations.
Don't know where to start?
NOHDA provides homeownership training to individuals that want to learn the ins and outs of becoming a homeowner. Once you complete the training, you are paired with a housing counselor to develop a personalized plan that includes credit counseling (if needed), affordability calculations (estimated pre-approval amount and savings needed), and creation of your homeownership team (mortgage lender, realtor, inspector, etc.). Lastly, we will help qualify you for any down payment assistance programs in your local area. We work with you from beginning to end!
Behind on your mortgage?
NOHDA provides foreclosure intervention services to help individuals who are behind on their mortgage payments and facing uncertainty as a result of a financial hardship. You will be paired with a housing counselor who will contact your mortgage lender to advocate for a loan modification and/or special payment plan that will help you avoid foreclosure and work with the bank to bring your mortgage account current. When funding is available, mortgage assistance grants may also be an option to help you pay off a portion of, or all of, your past due balance.
Need help with your down payment?
NOHDA partners with the City of Toledo on its Home at Last down payment assistance program to provide the required homebuyer training to qualify for the grant. NOHDA also has a down payment assistance program called IDA that currently provides an 8:1 match on up to $500 saved for down payment assistance. For both programs, income guidelines apply.