The purpose of the Maryland Housing Rehabilitation Program is to preserve and improve single family properties and one-to-four unit rental properties. It is a program designed to bring properties up to applicable building codes and standards.
Program funds may be used to assist in the rehabilitation of owner-occupied single-family homes and, if funds are available, rental housing with one to four units.
Household income of owner-occupants of single family homes and all residents of financed rental housing cannot exceed 80 percent of the statewide or Washington, D.C. Metropolitan Statistical Area median income. Interest rates range from 0% to 6% and are based on the applicant's ability to pay. Deferred loans are available to some borrowers who require health, safety or accessability improvements. For rental units, the project's income determines requirements for loan deferment or repayment.
Loans have interest rates based on the income of tenants served and projected income available to repay the loan. Generally, the maximum loan is 110 percent of the value of the property. Loans in excess of $5,000 or with deferred payments are secured by a mortgage. The maximum loan term is 30 years. Loans which serve families with incomes at or below 50 percent of the statewide or Washington, D.C. Metropolitan Statistical Area median income may have deferred payments if necessary for project feasibility.
Loans should accomplish the following: correct exterior and interior deficiencies;make accessibility modifications; correct health and safety violations; improve weatherization and energy conservation; and correct lead-based paint violations.
General improvements are eligible for financing after renovation of the priority items listed above. Luxury items such as swimming pools and recreational facilities are not eligible for financing. General improvements include small addition, alteration,carpeting; fences and landscaping, kitchen, bathroom, or closet remodeling.
Generally, all loan requests are processed directly by local governments for properties within their jurisdiction.
Applicants should contact their local housing office or the Maryland Department of Housing and Community Development's Special Loan Programs at (301) 429-7409 (within the Baltimore area) or 1-844-369-4150.
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.
List of local contacts by County
CONTACT: Special Loan Programs
Maryland Department of Housing and Community Development
7800 Harkins Road, Lanham, 3rd Floor, MD 20706
P: (301) 429-7409 | Toll Free (Maryland Only): 1-844-369-4150
TTY 711 or 1-800-735-2258