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Q. Why is historic preservation important?
Q. How do I research my house or find out more about a particular architect? The History & Geography Department of the Cleveland Public Library (Downtown at 325 Superior Avenue, Louis Stokes Wing, 6th floor) provides an excellent checklist of available resources for conducting house history research of Cleveland and Cuyahoga County properties. Contact them at (216) 623-2864 or history@cpl.org. For properties outside Cuyahoga County, start with your local or county historical society. The Fine Arts & Special Collections Department of the Cleveland Public Library (Downtown at 325 Superior Avenue, Main Building, 3rd floor) maintains an extensive collection of architectural books and indexes. Contact them at (216 623-2848 or finearts@cpl.org. The Cuyahoga County Archives is a good place to start when researching a particular area. Plat maps often show ownership of a property. Tax reappraisal cards from the late 1950s have a photo of the residential property attached. You will need the address and permanent parcel number of the property in Cuyahoga County. The Archives is located at 2905 Franklin Boulevard, Cleveland, OH 44113. Call before you go to confirm hours and availability of staff: (216) 443-7250. The Western Reserve Historical Society Library is a good source for local history. The library is located at 10825 East Boulevard, Cleveland, OH 44106. Contact them at (216) 721-5722 or www.wrhs.org. Q. How can I determine the architectural style of my building or house? There are many kinds of identifying features that can help determine the architectural style of your building or house. Often the architectural elements of your house like its shape, windows, style of trim, roof details, cladding and porch design can be significant defining features. Some of the best resources for researching the details are listed below:
Q. How do I become a CRS member? There are many benefits to becoming a CRS member, and it’s easy to do. Just fill out the member form and e-mail it, fax or mail it with your check or credit card information to us at the following: The Cleveland Restoration Society, 3751 Prospect Avenue, Cleveland, OH 44115-2705. (216) 426-1000 phone, (216) 426-1975 fax, and dbremer@clevelandrestoration.org. You can also call us at (216) 426-3111 to join over the phone. Q. How do I subscribe to your e-mail newsletter? To subscribe to our monthly e-mail newsletter, please send your e-mail address to dbremer@clevelandrestoration.org and type “Subscribe” in the subject heading or call Deanna at (216) 426-3111. To unsubscribe, simply click the SafeUnsubscribe™ link at the end of the newsletter or send an e-mail to dbremer@clevelandrestoration.org with “Unsubscribe” in the subject line. Q. How is CRS funded? CRS’s revenues are categorized as follows: Grants-Public (38%); Grants- Private (28%); Operating Revenue (16%); Membership (9%) and Events (9%). Our major funders are: City of Cleveland, Cleveland Foundation, Gund Foundation and the Bruening Foundation. Q. What is CRS’s service area? The Cleveland Restoration Society serves a 7-county area in Northeastern Ohio: Cuyahoga, Lorain, Medina, Summit, Portage, Geauga and Lake. If you are located outside our service area, please contact Heritage Ohio Inc. at www.heritageohio.org or the Ohio Historic Preservation Office at www.ohiohistory.org. Q. Does CRS fund preservation projects? Yes, CRS offers low interest loans through KeyBank for residential rehabilitation projects of buildings of three or fewer units through the Neighborhood Historic Preservation Program and the Heritage Home Loan. Your ward council representative (in Cleveland) or municipality must be a participating member in one of the programs. Q. What does CRS do? CRS provides technical assistance, educational programs and publications to individuals and organizations pursuing historic preservation opportunities. The mission of the Cleveland Restoration Society is to advance the preservation of greater Cleveland's historic resources through:
Q. What are the benefits of CRS membership? When you become a member of the Cleveland Restoration Society you will receive:
To join, fill out the membership form and return it with your check or credit card information. Those who give to the Society’s Annual Fund at the Foundation Level or above receive additional benefits. Q. What’s the first step to saving a building threatened by demolition? Do some research to find out if the subject property has designated landmark status, either locally or through the National Register of Historic Places. Q. Where do I find lists of buildings that are designated landmarks? Contact your local preservation organization for a list of locally designated landmarks in your community. If there is no local preservation organization, contact your local planning or building department, or your town’s city hall. After that, check the Ohio Register of Historic Places www.ohiohistory.org or the National Register of Historic Places http://www2.cr.nps.gov/nr/. Q. Does a building have to be a designated landmark to be considered for saving? No, but it helps hinder the demolition process. Q. When considering a rescue effort, is it easier to save a structure that’s designated by a municipal, state, or federal entity? Generally, landmarks designated by a municipality are the best protected. Q. If a building is not already a designated landmark, what makes it significant enough to be worthy of preservation? Some aspects that determine the historical significance of a structure are:
Q. Who can help me in a rescue effort? Local preservation organizations can be your staunchest allies in a building preservation effort. Typically, these organizations have created a network of local, preservation oriented residents and businesses. Frequently, even small preservation organizations have contacts state and nationwide. Q. What should I do if I don’t have a preservation organization in my community? Start one. Established local preservation organizations can be very successful in effecting local preservation efforts. They help develop local historic districts and frequently have more leverage in preservation efforts than do their state and national counterparts. Q. I have an historic barn. What resources are available to help preserve it? Two excellent resources to consult are “Barn Again!” at http://www.agriculture.com/barnagain/index.html and “Barn Again! In Ohio” at http://fabe.osu.edu/~barn.htm. Q. Would CRS recommend moving a building? Moving an historic building should be the last measure used to save it. Location plays an extremely important role in defining both the historic significance of a building, as well as creating a context for the public to understand the property. In addition to the significant costs that are incurred, moving a building may result in structural damage and/or the destruction or loss of architectural features that could not be replicated. Q. Is my project eligible for Federal Tax Credits? The Federal government offers two Preservation Tax Incentives: a 20% tax credit for the certified rehabilitation of certified historic structures and a 10% credit for the rehabilitation of non-historic (meaning not listed in the National Register of Historic Places or a contributing structure in a National Register district), non-residential buildings built before 1950. The National Park Service administers these programs in partnership with the Internal Revenue Service and the State Historic Preservation Offices. To qualify for the 20% credit, the project must be substantial and the building income producing and held for at least five years. For more information, contact the Ohio Historical Society at www.ohiohistory.org. Q. Does Ohio have an Historic Tax Credit Program for commercial buildings and/or homeowners? In May 2006, the Ohio House of Representatives passed Am. Sub. HB 149, which takes a pilot program approach to offering state historic preservation tax credits for commercial properties. The Ohio Senate will be considering the bill next . Local and state preservation organizations will continue to lobby for statewide preservation tax credits. Q. How is a building nominated for local or national landmark status? Nominations can be prepared by a property owner, interested citizens, preservation organizations, or the state historic preservation office (SHPO). Standard National Register forms (available from the SHPO) must be used and submitted to the SHPO, which reviews the nomination against the National Register evaluation criteria. Certified Local Governments may also review nominations prior to submission to the SHPO. Contact the Ohio Historical Society at www.ohiohistory.org for more information. Q. How is an area designated as a local or national landmark district? The appropriate amount of information must be compiled and analyzed in order to make cogent arguments for the significance of a particular district, and the public process (a legal one!) needs to play itself out so that everyone has adequate time to hear about the designation proposal and provide comment, if they choose. The State Historic Preservation Office (SHPO) has expertise in all types of historic districts, so they are the appropriate starting place. Each type of district has its own limitations and benefits. Q. What is a Certified Local Government (CLG) and how do I create one? Individual citizens cannot directly create a Certified Local Government. CLG is a local, state, and federal partnership program that institutionalizes historic preservation practice on a local level. Small amounts of funding for preservation initiatives are available to CLGs. Applications (by local governments) are made to the Ohio Historic Preservation Office. Visit http://www2.cr.nps.gov/clg/ and http://www.ohiohistory.org/resource/histpres/toolbox/clg2.html for details. Q. What does a National Register Listing do? The listing of a building, structure, site, object or district in the National Register of Historic Places accords it a certain prestige, which can raise the property owners and community's awareness and pride. Income-producing (depreciable) properties which are listed in the National Register individually or as part of a historic district may be aided by federal tax incentives which allow for a 20 percent investment tax credit for certified rehabilitation. National Register listing is often a prerequisite for funding applications for restoration work through various private, nonprofit organizations, such as the National Trust for Historic Preservation. Q. What doesn't a National Register Listing do? National Register listing does not prevent the owner of the listed property from remodeling, repairing, altering, selling, or even demolishing it with other than federal funds. While property owners are not bound by restrictions, the Ohio Historic Preservation Office strongly encourages owners of historic properties to consider all options before completing work that could damage the structure or impair its historic integrity. The Ohio Historic Preservation Office, upon request, provides information on how to sensitively rehabilitate and repair historic properties. National Register listing does not obligate an owner to make any repairs or improvements to the property. Q. What does Local Landmark Status do? Landmarking a place along with creating a designated local historic district requires the passing of a local preservation ordinance. An ordinance can protect individual landmarks or historic districts from such undesirable fates as demolition, drastic altering, or deterioration through neglect. Ordinances are local laws through which historic property owners are usually prohibited from significantly altering or demolishing their property without local government approval. They typically regulate the design of new construction at the site or in the area as well. A local preservation ordinance provides protection to historic structures as well as the power to regulate land use. Q. What doesn’t local landmark status do? The limitation of local landmark status varies form area to area. Check with your local landmarks commission or municipality for guidelines. Q. Is grant money available for historic properties? Grant money is generally not available for the rehabilitation of privately held historic properties. Q. What is a National Historic District? A National Register Historic District gives official recognition of the area’s significance, and is a prerequisite for receiving various kinds of Federal benefits (e.g., Federal grants, tax incentives, etc.). However, National Register listing or eligibility for listing provides protection only when there is Federal involvement (e.g., Federal dollars, permits, etc.) in an action that may threaten the resources in the district. Listing in the National Register of Historic Places means that the Federal Government has officially agreed that the district is significant and thus worthy of preservation; however, it is more honorific than substantive. Q. What is a Local Historic District? A local historic district is an area designated by a local government as historic and worthy of preservation. Typically, historic buildings and their settings are protected by a public review. Historic district ordinances are local laws that are adopted by communities using powers granted by the state. Historic districts comprise the city's significant historic and architectural resources. Inclusion in a historic district signifies that a property contributes to an ensemble that is worth protecting by virtue of its historic importance or architectural quality. Quite often, creating a historic district under local law can provide the strongest protection for historic resources. This is because most land-use decisions are made under the authority of local law. At the local level, the designation of historic districts is usually linked to a review process designed to protect the historic appearance of buildings in the district. Q. If my building is in an historic district, what do I need to do before starting work on an improvement/renovation project? If your house is located in a designated historic district you need to check with your local city hall to pull the proper permits before starting work. Often pulling a permit for an exterior alteration will require a submission of the proposed work to the local historic design review committee. A permit will be granted with their approval. If a permit is not pulled for work when required or you do not appear before the local design review committee, fines may be assessed and construction may have to be reversed. Q. How can my building or home get a National Register or Local Landmark plaque? The Cleveland Restoration Society does not sell or distribute plaques to designated historic properties. Property owners wishing to purchase plaques can contact the City of Cleveland Landmarks Commission at (216) 664-2210. Q. Is my house or building in an historic district? To find out if your house is located
in a designated historic district contact your local city hall and
inquire with the building department. In the City of Cleveland contact
the Landmarks Commission at (216) 664-2210 or visit http://www.city.cleveland.oh.us/government/departments/
Q. Where can I find architectural salvage or historic house parts? Habitat for Humanity’s ReStore offers quality used and surplus building materials at a fraction of retail prices. Visit http://www.gchfh.org/donating/index.asp for details. Many antique shops such as the ones on Cleveland’s Lorain Avenue and Larchmere Boulevard often have salvage and parts. For quality reproduction house parts, Old House Interiors’ Design Center at http://www.oldhouseinteriors.com/designcenter/magazine.html maintains a portal to many vendors. Also be sure to check out Old House Journal at http://www.oldhousejournal.com/index.shtml and Period Homes at http://www.period-homes.com/ for more resources. Q. If I have architectural salvage or historic house parts, how can I donate them? Greater Cleveland Habitat for Humanity gladly accepts donations and they’re a good cause too! Visit http://www.gchfh.org/restore/index.asp for details. Q. What is wrong with vinyl siding? The use of vinyl siding on an historic building is inappropriate for three basic reasons:
Q. How can I find a qualified contractor? CRS assists homeowners going through one of our loan programs with finding qualified contractors. If you are looking for a contractor on your own, you might consult Angie’s List, The Better Business Association, or the building department in your city. The best referral comes from friends and neighbors. Whomever you hire, it is important to have a written bid with as much detail as possible. You should investigate the prices and model numbers for plumbing and lighting fixtures ahead of time and be as specific as you can with your potential contractors. After reviewing bids (and getting more than one bid) and finding out if your contractor is licensed and bonded, you finally are left with making a decision based on a combination of your gut reaction (How comfortable are you with the contractor?, Do they communicate well?) and calculating the numbers based on preliminary research you have done. Q. What is a preservation easement? A preservation easement is a voluntary preservation tool that provides perpetual protection of a building. It is a legal agreement between a property owner and a non-profit preservation organization that “runs with the land” and is binding on all future owners. Under certain circumstances, a federal tax deduction equivalent to the value of the rights given away by the property owner is allowed. Visit http://www2.cr.nps.gov/TPS/tax/easement.htm for details. The Cleveland Restoration Society accepts preservation easements. Please call (216) 426-1000 for more information on how you can participate. Q. What is a conservation district? A conservation district is a planning tool that can serve as an alternative to a traditional preservation district. Models vary across the country and can focus on design review issues, planning/zoning development issues, or both. Conservation districts based on a preservation model serve to protect the character of older neighborhoods and communities that may not meet the standards for historic designation. Conservation districts based on a planning model are typically broader in scope and address issues such as retaining architectural scale, maintaining affordable single-family housing, preventing encroachment, etc. Conservation districts are often useful for neighborhoods that have a distinctive character, but lack the requisite historical and architectural significance of a local district. Q. What’s the difference between restoration, renovation, preservation and rehabilitation? Despite having distinct meanings, these words are often mistakenly used interchangeably. The following definitions are taken from the Old House Journal Guide to Restoration to help you differentiate between the terms.
Q. What is a Section 106 Review? The National Historic Preservation Act of 1966 is considered the most important legislation dealing with historic preservation. The Act grew out of widespread public concern over the destruction of historic resources as part of urban renewal, the building of an interstate highway system, and massive public works projects that occurred with the growing national economy of the 1950s and 1960s. The most important elements of the Act were the establishment of State Historic Preservation Offices (SHPO), a National Register of Historic Places, and The Advisory Council on Historic Preservation. The Council’s role, through Section 106 of the Act, is to determine if federally-funded projects have a significant negative impact on historic resources. This Federal agency consults with the SHPO to determine if a project has no affect, no adverse affect, or an adverse affect. If an adverse affect is determined, the agency and the SHPO determine how to minimize the negative impact and then execute a Memorandum of Agreement. Q. What is TEA-21? The Transportation Equity Act for the 21st Century (TEA-21), the current federal transportation bill, directs that 10% of a state’s surface transportation program funds must be set aside for Transportation Enhancements. There are twelve activities eligible for Transportation Enhancements funding including historic preservation, rehabilitation and operation of historic transportation buildings, structures, and facilities, archeological planning and research, and acquisition of scenic easements and scenic and historic sites. This is the largest, most flexible source of federal financing for historic preservation activities, with approximately $19 million annually for Ohio. Preservation projects in Ohio that have received funding through TEA-21 include the Hanaway Covered Bridge Restoration Project in Lancaster, Main Street Zanesville improvements, and the Ohio and Erie Canal Restoration. For more information go to the National Transportation Enhancement Clearinghouse at www.enhancements.org. Q. My historic religious building requires expensive repairs. How can CRS help? The Sacred Landmarks Assistance Program offers free technical assistance on-site or over the phone. CRS can help you find qualified contractors or help answer your questions about roof repairs, stained glass window restoration, masonry deterioration, etc. Call the Sacred Landmarks Assistance Program at (216) 426-3109 or fill out and send in a Technical Assistance Form. Q. Does CRS have funds available for religious properties to assist with preservation projects? No. The Sacred Landmarks Assistance Program of the Cleveland Restoration Society does not currently have funds for preservation projects involving religious properties. The Sacred Landmarks Assistance Program can provide you with resources regarding fund-raising and capitol campaigns. Limited funding is available to qualifying religious properties for exterior lighting projects. For more information, refer to the Steeple Lighting Program. Q. How can CRS help raise awareness for my historic church or synagogue? On a regular basis, CRS hosts Sacred Landmarks Tours featuring a select group of historic religious buildings. These tours allow the public opportunities to visit and explore Cleveland’s extraordinary collection of sacred landmarks, to learn about ecclesiastical architectural styles, and to gain an insight into the preservation challenges faced by the stewards of these important institutions. See the Events Calendar for an up-to-date list. If you would like to recognize a sacred landmark in your community for a remarkable preservation effort, consider nominating the building for a Preservation Award. Q. What types of projects can I do with the loan program? Many types of interior and exterior projects are eligible for the Heritage Home Loan. The goal of the program is to maintain, restore or preserve the county’s architecture. Eligible projects include roofs and gutters, painting, porch repair, masonry tuckpointing, carpentry repairs, window repair, new storm window installation, garage repair and replacement, waterproofing, and rainwater/sewer tile work. Interior projects are also eligible, including kitchen and bath remodels, wood floor refinishing, painting, HVAC upgrades, electrical and plumbing upgrades, reconfiguring interior spaces, and finishing attics and basements. Q. Can I do an addition with the Heritage Home Program? No, additions are not eligible. Q. What if I want to fund vinyl siding or replacement windows with my own personal money, but use the loan program for everything else? Can I do that? No, any type of project that would make the house ineligible for the program (i.e. a vinyl product or removal of a significant element) will make the house and all of its projects ineligible for funding even if certain projects are funded outside of the loan program. Q. Is the interest tax deductible from this loan? Yes, it is fully tax deductible Q. Are rental properties eligible for the program or do I have to live in the house? Rental properties up to three occupancy units or less are eligible for the program. The property does not have to be owner-occupied. Q. Is the interest rate on the loan fixed or variable? The 3.5% APR on the loan is a fixed rate for the entire 7- or 10-year life of the loan, unlike an equity line of credit which is variable. Therefore, the Heritage Home Loan is a more competitive product than an equity line of credit. Q. Will KeyBank use a recent appraisal already completed for my home? Yes. KeyBank will allow an appraisal to be used if it is less than a year old and done by a KeyBank approved appraiser or another bank. KeyBank will not accept appraisals from mortgage companies. To see if your appraisal was done by an approved appraiser contact your local KeyBank branch. Q. Will an appraisal change the tax value of my home? No, any appraisal that is done will be used only by the bank and is private. It will not be used to raise your tax value. Q. Do I have to use any specific contractors or can I pick my own? You are free to choose whomever you would like to be your contractor. You do not have to use specific ones suggested by CRS. You can even do the work yourself! If you do the work yourself, however, only materials can be funded. Q. Do I have to get a certain number of bids? Some programs require three. No. We do not require a certain number of bids. You can obtain as many bids as you like. Although CRS recommends getting two to three bids for a job, if you like the first contractor you meet, you are free to select him/her. As part of our services, we can review your bids for pricing, materials, and methods. Q. I have some vinyl replacement windows in my house. Does that disqualify me from the program? Not necessarily. As a general rule, no vinyl can be on the house in order to participate. If you have one or two vinyl windows on the back or sides it doesn’t automatically disqualify you from participating in the program. In these instances, staff will make a case-by-case evaluation and determine if your house is eligible for the program. However, your house is considered ineligible if it has has vinyl windows throughout or on the street-facing elevation(s) of the structure and you don’t want to replace them with a higher quality product. Q. Does my house have to be listed as a local landmark or in the National Register of Historic Places to qualify for the program? No, homes do not have to be officially listed. The home must meet the base line age criteria for “historic,” which is at least 50 years old, and must retain most of its original exterior architectural features. Q. Can I use loan money to rehab a property that is part residential and part commercial? No, loan money can only be used for properties that are only zoned residential. However, free technical assistance is available for mixed-use properties as well as apartment buildings and sacred religious properties. Q. Is CRS the lender or is this a bank loan? The Heritage Home Program loan is a secured bank loan, which means that it is a loan tied to the property asset. Applicants must be able to qualify with the bank as they would any other home equity loan. Only the title holders of the property are allowed to apply for this type of loan. Q. Can I apply at any bank? No. KeyBank is currently the only lender for this program. Please contact Kerry Adams at (216) 426-3116 to get more application information. Q. Doesn’t the 2% Technical Assistance Fee increase the advertised interest rate by 2%? No, it does not. It is a one-time 2% fee to our organization for program administration. Q. I just bought my house and there isn’t much equity in it at this time. Does that make me ineligible? Not at all! The Heritage Home Program is great for new homeowners because a loan-to-value ratio can be gained through an after-rehab appraisal. This after-rehab appraisal is a thorough process in which the property’s value is assessed taking into account all of the rehabilitation work completed. Contact Kerry Adams at (216) 426-3116 for more information. Q. Can I pay for work that has already been done if it is preservation related? No, we cannot authorize payment for any work or related purchases to be paid for that occur before the closing loan papers have been signed. Neighborhood Historic Preservation Program FAQs Q. What types of repair and rehabilitation projects can I do with the loan program? The goal of the NHPP is to rehabilitate, maintain, and preserve our city’s historic residential architecture. Loan proceeds can be used for decorative architectural restoration as well as regular home repair work. Projects may include kitchen and bath remodeling, basement waterproofing, interior and exterior painting, roof and gutter installation, new storm windows and landscaping. Needed exterior repair work and correction of code violations do, however, take precedent over interior remodeling or redecorating. “Luxury items” such as hot tubs and decks cannot be funded with the NHPP loan, nor can any type of appliance or fixture that could be removed from the property. Q. Can I pay cash to have vinyl siding or replacement windows installed, but use the loan program for everything else? No, any type of project that would make the house ineligible for the program, i.e. a vinyl product or removal of a significant architectural element, will make the house and all of its projects ineligible for funding. Q. Do I have to use any specific contractors or can I pick my own? You are free to choose whoever you would like to be your contractor. The CRS staff will provide guidance on choosing a qualified contractor and will provide contracts for work to be completed. You can even do the work yourself if you like, however only supplies and materials for these repairs can be funded (not labor). Q. Do I have to get a certain number of bids? Some programs require three. No, we do not require a specific number of bids. You can acquire as many bids as you are comfortable with. Although the CRS recommends getting two to three bids for each job, if you like the first contractor you meet, you are free to select that person. Q. Does my house have to be listed as a local landmark or in the National Register of Historic Places to qualify for the program? No, homes do not have to be officially listed. The home must meet the base line age criteria for “historic” which is at least 50 years old, and must retain most of its original exterior architectural features. Q. Are rental properties eligible for the program, and do I have to live in the house? Rental properties up to three units or less are eligible for the program. The property does not have to be owner-occupied. Q. Can I use loan money to rehab a property that is part residential and part commercial? No, loan money can only be used for properties that are only zoned residential. However, free technical assistance is available for mixed-use properties as well as apartment buildings and sacred religious properties. Q. Is CRS the lender or is this a bank loan? An NHPP loan is a secured bank loan, which means that it is a loan tied to the property asset. Applicants must be able to qualify with the bank as they would any other home equity loan or second mortgage. Only the title holders of the property are allowed to apply for this type of loan. Q. Can I apply at any bank? No. KeyBank is currently the only lender for this program. There are three specific branches that you must either call or visit to begin the loan process. Please contact Sarah Beimers at (216) 426-3106 to get information . Q. Doesn’t the 2% Technical Assistance Fee increase the advertised rate by 2%? No, it does not. It is a one-time 2% fee to our organization for program administration. Q. Is the interest tax deductible from this loan? Yes, it is fully tax deductible. Q. Is the interest rate on the loan fixed or variable? The interest on the loan is fixed for the entire 12-year repayment period. Q. I just bought my house and there isn’t much equity in it at this time. Does that make me ineligible? Not at all! The NHPP is great for new homeowners because a loan-to-value ratio can be gained through an after-rehab appraisal. This after-rehab appraisal is a thorough process in which the property’s value is assessed taking into account all of the rehabilitation work completed. Contact Sarah Beimers at (216) 426-3106 for more information. Q. What if I have an appraisal already completed for my home? Can KeyBank use it if they say one is necessary to participate in the loan program? KeyBank will allow an existing appraisal to be used if it was completed by a bank less than one year from the time of application for the NHP. KeyBank will also want to ensure that it was completed by a qualified appraiser. Q. Will an appraisal change the tax value of my home? No, any appraisal that is done will be used only by the bank and is private. It will not be used to raise your tax value. Q. Can I pay for work that has already been done if it is preservation related? No, we cannot authorize payment for any work or related purchases to be paid for that occur before the closing loan papers have been signed.
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Copyright
2004-2006 - all rights reserved
Cleveland Restoration Society and Preservation Resource Center
of Northeastern
Ohio
Sarah Benedict House; 3751 Prospect Ave.; Cleveland, OH 44115-2705
(216) 426-1000 (main); (216) 426-1975 (fax)
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