Q: Who is eligible to attend classes or receive financial counseling?

A: Any resident of Lucas County can attend classes or receiving financial counseling from NODA. There are no income restrictions for these services.

Q: Is there a fee to receive financial counseling?

A: Default delinquency/foreclosure counseling is free of charge. There may be a cost involved in our other counseling services, please contact us for more information.

Q: What should I bring with me if I attend a class?

A: Just a notebook and pen or pencil to take notes. All other materials are provided.

Q: What should I bring with me to a counseling appointment?

A: Pay stubs from the last 30 days, bank statements from the last two months, and income tax forms and W2s from the last two years. You should also bring $25 (cash or money order accepted) to cover the cost of a credit report (or you may take advantage of a free credit report through www.annualcreditreport.com). There may be additional documents required, but that will be discussed when you set up your appointment.

Q: Do you have emergency home repair grants?

A: Depending on grant funding, NODA may have funding available to assist with emergency home repairs such as lack of heat or hot water, missing or damaged doors, leaking roof causing visible damage, hazardous electrical systems, structural modifications for the elderly and disabled, and repairs necessary to obtain homeowners insurance.

Q: Do I qualify for an emergency home repair grant?

A: Here are some basic qualifications. You must have income in the low-income range (below 50% area median income). You must also be current on your mortgage and real estate taxes (or on a payment plan), and you must have homeowners insurance. Your home must be located in one of 75 low or moderate-income census tracts. Applicants are only eligible to receive one grant per lifetime.

Mobile homes are not eligible.

Garage repairs may be eligible, if the garage is attached to the home.

Call us at 419-243-3734 and we can discuss your situation. If you qualify, we will schedule an appointment for you to come in and complete paperwork.

Q: How can I use the money from my IDA matched savings account?

A: You can use your IDA savings towards buying a home, entering post-secondary education, or starting or expanding a microbusiness.

Q: Can I earn interest on my IDA savings account? What if I choose to close the account?

A: Yes, you earn interest on any money you contribute to the account. You can close the account at any time, and you will receive any contributions you made plus interest.

Q: Do I qualify for the Toledo Wheels program?

A: Please call us at 419-243-3734 to discuss your eligibility, but some basic requirements include not having a car in your household, or having a car that requires significant repairs. Additionally, your household income cannot exceed 200% of the poverty level. You must have a decent driving record with no more than 6 points awarded to your driving record over the last two years. You also must be 21 to participate.

There are several classes required as part of the program, including a defensive driving class.