Housing Rehabilitation

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Application

Application status: Open
How to apply: Submit application and supporting documents by email or mail

The Maryland Housing Rehabilitation Program aims to provide affordable funding to address critical health and safety issues and bring properties into an agreement with applicable building codes and standards.

Eligible types of housing

Program funds may be used to assist in the rehabilitation of owner-occupied single-family homes.

Eligible applicants

To be eligible, you must:

Own and live in the property as your primary residence
Have a total household income at or below 80% of the statewide or Washington, D.C. Metropolitan Statistical Area median income

Check income limits for your household size - PDF - 101.23 KB

Addressable items

Mold Remediation
Gas leaks
Roof repair and replacement, Gutters
Asbestos abatement
Vermiculite removal
Lead abatement (free lead testing for approved applicants in homes built before 1978)
Combustion appliance repair and replacement for Health and Safety concerns, including gas ranges, domestic water heaters, and space heat.
Chimney Repair
Foundation and sub-space water-proofing, and drainage, inclusive of bulk water mitigation by drain tile, sump pump, and minor grading.
Radon mitigation
Electrical hazard, Knob, and tube removal, inclusive of necessary service upgrades.
Electrical upgrades for future home electrification. (<100A to 200A upgrades)
Plumbing issues
Water and well
Septic and sewer
Windows and doors only for H&S, water intrusion, and security.
Structural repair - atrophy, rot, insect, settling, storm-related
Access for disabled and seniors, inclusive of Chair lifts, handicap ramps, bars, railings, and doors.
Fall and injury prevention (handrails, rubber treads, bathroom grab bars)
Ductwork upgrades and installations (primarily for solid fuel-burning households- Mainly in Allegany and Garrett counties)
Building shell stabilization (i.e. repair/replace missing sheetrock on exterior walls, point up deteriorated masonry that allows for water infiltration)
Pest treatments (rats, roaches, and mice)

Loan terms

Maximum loan amount: $50,000
Interest rates: Range from 0% to 6%, based on the applicant's ability to pay
Loan terms: Up to 30 years
Loan security: All loans are secured by a Deed of Trust
Deferred payment options: Deferred payments may be available for loans that serve families with incomes at or below 50 percent of the statewide or Washington, D.C. Metropolitan Statistical Area median income

Local government involvement

Generally, all loan requests are processed directly by local governments for properties within their jurisdiction.

How to apply

Contact your local housing office or our Special Loan Programs team to get started.

Maryland Housing Rehabilitation Program loans are originated, packaged, and closed by the Maryland Department of Housing and Community Development Special Loan Program's network of local administering agencies. The network includes the county housing and community development offices, as well as nonprofit organizations.

Provide contractor and a scope of work

Applicants provide a work proposal for the critical repairs by a licensed and insured Maryland Home Improvement contractor or other trade professionals, along with photos documenting the issues.

To aid the applicants in finding a contractor, we provide the following links:

For both of these resources, type the trade that you need and the location.

Provide contractor documentation

For the protection of the applicant, any contractor working within the program will be required to provide these documents along with the application.

Current MHIC License or Electrical, Plumbing, HVAC license, etc. Trade License Query
COI - Certificate of Liability Insurance
Letter of Good Standing - Maryland Business Express company search
W-9, completed and signed by the contractor. The address on this form is where payments will be sent. Form W-9 (Rev. October 2018)

Special Targeted Applicant Rehabilitation Program

Additional funding is available through the Special Targeted Applicant Rehabilitation (STAR) program for lower-income homeowners in participating counties.

Income eligibility: The total household income cannot exceed 80% of the Income and Rent Limits published annually by the U.S. Department of Housing and Urban Development (HUD)
Residency requirements: 5-years minimum
Interest rate: 0-6 % based on income and affordability
Deferred repayment: You do not need to repay the loan until you sell, transfer, or refinance your property
Maximum loan amount: Up to 125% of the property value
Loan security: All loans are secured by a Deed of Trust

The STAR program is available in the following counties:

Allegany County
Anne Arundel County - City of Annapolis only
Calvert County
Caroline County
Carroll County
Cecil County
Charles County
Dorchester County
Frederick County
Garrett County
Kent County
Queen Anne’s County
St. Mary’s County
Somerset County
Talbot County
Washington County
Wicomico County
Worcester County

Application documents

Contact information

To check your application status or update your information, submit an existing client inquiry.
To request a loan payoff, view our payoff contact information - PDF - 88.76 KB.

For other questions, please contact:

Special Loan Programs
Email: [email protected]
Phone: 301-429-7409
Toll Free (Maryland Only): 877-218-8101
TTY: 711 or 1-800-735-2258