​​​​​​​​​​​​​​​The Ground Rent Redemption Loan Program was created by the Maryland General Assembly in 2007 to provide loans to homeowners to buy out (redeem) ground leases. A "ground lease" is a lease for a term of years (usually 99 years) that is renewable forever and is subject to the periodic payment of "ground rent" by the leasehold tenant to the ground lease holder. Ground rents are most prevalent in Baltimore City but are held in some other counties as well. The program cannot provide grants for this purpose.

Program Documents

• ​Ground Rent Redemption Loan Application
• Frequently Asked Questions​​​
• ​Rehabilitation 2024 Income Limits​​

More Information

CONTACT: Special Loan Programs
Maryland Department of Housing and Community Development
7800 Harkins Road, 3rd Floor, Lanham, MD 20706
E: DHCD.SpecialLoans@maryland.gov​
P: (301) 429-7409 | Toll Free (Maryland Only): 877-218-8101​
TTY: 711 or 1-800-735-2258​​​​

See Payoff Requests​ for payoff information.​