Nurturing Abundant Communities in Greater University CircleA variety of resources are coming together to build wealth in the communities of Greater University Circle. By helping people buy their first home or grow their own business, the programs listed here are striving to create communities where everyone can thrive.

The 3-2-1 Home Program is designed to assist low and moderate income residents achieve home ownership. The program provides one-on-one credit counseling and restoration guidance, home ownership training, as well as access to a variety of financial incentives to make purchasing a home more affordable. Program participants

are given the opportunity to open a Dollar Bank Passbook Savings Account to set aside money for a down payment and closing costs to purchase a home. For every $1 saved, Dollar Bank will provide a $3 match, up to $3000 in additional funds. To sign up for Dollar Bank’s 3-2-1 Home Program, call Dorothy Curtis at 216-736-8908.

Dollar Bank

Owning a home is one of life’s greatest achievements. We’re here to ensure buying it goes smoothly that you fully understand your options, and how they’ll affect your future. Whether you have already found your dream home or are still looking, our mortgage professionals can help you choose the right home loan to meet your needs. Whether you want to apply for a mortgage or need mortgage pre-approval, we’re available online, on the phone or face-to-face in your

neighborhood.For more information contact Rod Hirsch at

216-488-8301 roderick.hirsch@pncmortgage.com or visit us online at pncmortgage.com.

PNC is a registered service mark of The PNC Financial Services Group, Inc (“PNC”). PNC Mortgage is a division of PNC Bank, National Association, a subsidiary of PNC. All loans are provided by PNC Bank, National Association and are subject to credit approval and property appraisal. ©2012 The PNC Financial Services Group, Inc. All rights reserved.

PNC

At Charter One, we believe that good banking is good citizenship. We take pride in our commitment to our customers, colleagues and the community. And we’re committed to helping neighborhoods thrive.

Whether you’re a neighborhood resident, small business, or an employee of a local organization, we listen to you, and we find solutions to meet your needs.

We help small businesses grow through the Uptown Business Association, and

we help neighborhood residents through our support of the Greater Circle Living initiative. We can even help you make affordable improvements to your home and improve its energy efficiency through products like our EZ Home Improvement and Energy Efficiency Loans.

Join with us and build a stronger community for all of us. Visit Gary Forrest at our University Circle branch, 11302 Euclid Avenue Cleve, OH 44106. Tel: 216-368-9875.

Charter One

Buy a Home

KeyBank Mortgage can help you realize your dream of owning a home. Its low down payment options mean you’ll need less cash to get started, which makes qualifying easier than you might think.

- No Private Mortgage Insurance (PMI) required

- Alternative credit is acceptable - Additional funds to close may be

from a gift from family member or grant. - Maximum 4% seller concession

Doctors and Dentists face unique financial needs. Key Private Bank and KeyBank Mortgage understand those needs and have designed a program

using specialized underwriting tailored to the financial needs of medical doctors. Our program offers home financing for your primary residence that features:

• Purchase and rate/term refinance loans up to $1 million • No Private Mortgage Insurance (PMI) • Maximum 90% loan-to-value (LTV) or combined loan-to-value (CLTV)

All credit products are subject to credit approval. Offer available only in AK, CO, CT, FL, ID, IN, KY, ME, MI, NY, OH, OR, UT, VT, and WA. ©2011 KeyCorp. KeyBank is Member FDIC.

Key Bank

CASH is a local non-profit that offers low interest rate (currently 2.3% for a term of 12 years) loans to all Cleveland property owners and investors to renovate

or remodel your home. Just fill out our simple online form to get started and we will help with everything. Call 216-621-7350 or visit www.cashcleveland.org

Cleveland Action to Support Housing

Looking to do some home improvements? Visit our University Circle branch to learn more about our current home equity offers.

Huntington National Bank11417 Mayfield Rd.Cleveland, Oh 44106216-515-0039

Please contact Carrie Rosenfelt at (216) 515-6090 or carrie.rosenfelt@huntington.com for more information.

All credit products are subject to application, credit approval, satisfactory appraisal an title insurance. Other terms, conditions and restrictions may apply.The Huntington National Bank is an Equal Housing Lender and Member FDIC. ® and Huntington® is a federally registered service markof Huntington Bancshares Incorporated. Huntington® Welcome™ is a service mark of Huntington Bancshares Incorporated. © 2011 Huntington Bancshares Incorporated.

Huntington Bank

Neighborhood Connections

Neighborhood Connections ignites the power of everyday people to co-create an extraordinary world right where we live. Join Neighborhood Connections in Greater University Circle at events like:

• Neighbor Circles Host a Neighbor Circle and help strengthen and build relationships on your street.

• Innovation Team Apply to participate on an Innovation Team, a diverse group of people working to develop and experiment with innovative practices to build com-munity across boundaries.

• Network Nights Learn about what’s happening in the area at these citizen-driven gatherings.

• Neighborhood Connections Grants Join others in your neighborhood and apply for a grant of up to $5,000 to work together on something you care about. Contact Neighborhood Connections Greater Uni-versity Circle office at 216-229-8719 or 216-229-0555.

Grow Your Wealth in Greater University CircleEconomic and Community Development Institute

Since 2004

700 ohio small businesses helped

Economic & Community Development Institute Small Business Loan Program

Up to

$100K to new and existing businesses in ohio

Greater Circle Living

Do you want to own a home, but are short on money? Greater Circle Living can help by providing up to $30,000 towards your new home. We can help you with your down payment and closing costs if you choose to live in the Greater University Circle Neigh-borhoods of Buckeye-Shaker, Fairfax, Hough, Glenville, East Cleveland, Little Italy or University Circle.

If you work in Greater University Circle, why not live here? People who work at Case Western Reserve University, Cleveland Clinic, Cleveland Museum of Art, Judson Retirement Community, University Hospitals and over 100 nonprofit institutions in the area may be eligible to take part in the program.

But wait, if you already own a home in the area, there’s also money to help

with making repairs to the outside of your house. And, if you are looking to rent an apartment, we may be able to help you with one rental payment.

You can reduce the time it takes to travel to work and the money you spend on gas and parking by choosing to live close to work. You will also be near museums, schools, hospitals, and many restaurants and places to shop.

Call today for more information about Greater Circle Living; contact Fairfax Renaissance Development Corporation at 216-361-8400. You can also visit us online at www.fairfaxrenaissance.org . Or call University Circle Inc. at 216-707-5019 or visit www.universitycircle.org.

You can also stop by the Living in the Circle Center, 11330 Euclid Avenue, check out Universitycircle.org or call 216-707-4640.

ECDI’s primary goal is to assist in the establish-ment, stabilization, or expansion of small business-es by combining business training and technical as-sistance with capital. ECDI’s Small Business Loan Program provides loans up to $100,000 to new and existing businesses that do not qualify for conven-

tional bank loans due to insufficient credit history, collateral, or business experience. Since 2004, ECDI has made $11.5 million in loans to around 700 small Ohio businesses. For more information, contact ECDI’s Cleveland branch office by phone at (216) 456-2675 or email esullivan@ecdi.org.