Lateral Loan Application

Need some help on your sewer separation project? If you’re not exactly sure what a lateral is, or why you need to do anything, you’ll find more information here on our site, and a video at


Combined Sewer Separations

  • Personal Information

  • Program Rules

  • To be eligible for this 10-year, 2%-interest loan ($4,000 maximum), applicants must separate/reroute their home’s outgoing water using two separate laterals—one for storm water, one for wastewater—each going to its own dedicated sewer under the street.

    Once you hit the Submit button below, this form will be sent to our office automatically. Here’s what’s next:

    • Someone from our office will call you to set up your free home inspection, if you’ve not already had yours;
    • We’ll send you an letter after your inspection letting you know if you are eligibley;
    • You’ll need to get quotes from contractors and submit them to us (scan and e-mail to or mail or bring to our 201 Miller Road office);
    • Call your selected contractor and us (440-933-6226) to set up a pre-project meeting at your house;
    • Sign and return your Lateral Loan Letter of Agreement (you'll receive this once you are deemed eligible). (This agreement must be completed prior to your contractor beginning your project.);
    • Your contractor contacts Avon Lake Regional Water for inspection(s). (All projects must be inspected and approved by Avon Lake Regional Water before payment will be rendered to contractor.)
    • Contractor or property owner notifies Avon Lake Regional Water once project is done or nearly so, loan applicant signs check release form at Avon Lake Regional Water (201 Miller Road);
    • The agreed-upon amount is sent to contractor;
    • You begin repaying your 10-year loan with your next water/wastewater bill;
    • At the same time, you’ll begin receiving your $1,000 wastewater credit, which will continue to be credited to your home’s address for the next 10 years.

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