The neighborhoods include Corryville, Clifton, Fairview, Clifton and University Heights, Mt. Auburn, Avondale, and Walnut Hills.

There is no specific requirement, but typically, the nonprofit agencies assist individuals earning $35,000 a year or less and families earning $50,000 a year or less. The program is specifically targeted to first-time homebuyers.

There is no absolute limit on home prices or home styles. It is up to employees to find the home that meets their needs. However, if an employee has a good credit history and his or her family's gross income is about $50,000, the employee could qualify for a $90,000 to $100,000 home.

Individuals and families receiving assistance must live in the home they buy for at least 3 years. However, if the building is a two-family home, they can rent the second unit.

Interested employees should call either Cristine Ritchie, at Neighborhood Housing Services 631-8560 or Mary Crawford at Greater Cincinnati Mortgage Counseling Services, 948-8820.