​​​​​​​​​Homeownership Education and Counseling

• Advisory Notice​​
• Notice and List of U.S. Department of Housing and Urban Development Approved Housing Counseling Agencies (HB 1399)
• Maryland Mortgage Program Prepurchase ​​Counseling Agencies and Local Requirements​
• Foreclosure Prevention Counseling Agencies​

Common Ownership Communities

• ​In Maryland, common ownership communities include Homeowners Associations (HOAs), Condominiums, and Housing Cooperatives (Co-ops).
• The House Bill 0844 page​ provides information on the rights and responsibilities of individuals living in a common ownership community.

Single Family Insurance

• Multifamily Housing Fund Approved Lenders ​
• Refund Schedule

Single Family Operations

• Single Family Servicing Manual (updated 2/20/2021​)
• Single Family Servicing​ Manual
• Appendix A
• Appendix B
• Appendix C
• ​ Single Family Compliance
• Single Family Collections
• State Owned Homes for Sale

Amendments To the Department Servicing Manual​

• Amendment 1 and 2 (Effective 04/24/2008)

Rental Security Deposit Calculator​

The Maryland Department of Housing and Community Development provides this customized calculator that determines the interest due on a security deposit by allowing a user to enter a start date (the date on which the security depos​it was given to the landlord), a tenancy end date, the county in which the residence is located, and the amount of the security deposit. Note that all inputs must be included to generate a result.

Homeowner Resources

A family’s home is their most important asset, and housing counseling helps ensure that potential and current homeowners are educated and empowered to make informed decisions about purchasing or preserving that home. To that end, the Department of Housing and Community Development supports a statewide network of nonprofit and local government agencies that provide critical assistance to homeowners, and renters.

Foreclosure and Rental Counseling

If you are a homeowner who has fallen behind on your mortgage payments, getting help early in the process can mean the difference between saving your home and losing it to foreclosure. A housing counselor can help you understand your options based on your specific circumstances and can assist you with finding a solution that works best for you. Contact a housing counselor today​. You can also call 1-877-462-7555 to find a state-approved nonprofit agency that can provide individual guidance to homeowners facing foreclosure.

Participating ​Housing​ Counseling and Legal Services Agencies​​

Additional Resource Information

• ​Foreclosure Prevention Tips
• Foreclosure Timeline | Spanish​​
• Foreclosure Mediation
• Avoid Fraud and Scams
• Consumer Financial Protection Bureau - Help for Homeowners​
• Homebuyer Education for First Time Homebuyers