Improving a Home - Maryland Housing Rehabilitation Program- Single Family
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Purpose of Program |
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The purpose of the Maryland Housing Rehabilitation Program- Single Family
(MHRP-SF) is to preserve and improve single family properties and one-to-four
unit rental properties. MHRP-SF is a program designed to bring properties up to
applicable building codes and standards.
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Eligible Types of Housing |
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MHRP-SF funds may be used to assist in the rehabilitation of owner-occupied
single-family homes and rental housing with one to four units.
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Eligible Applicants |
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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. MSA median income. The interest rate for these loans is a
minimum of 4.5 percent and is determined based upon the owner-occupants ability
to repay the loan, or for rental units, the project's income available to repay
the loan.
Loans that benefit families with incomes that are 60 percent or less of the
statewide or Washington, D.C. MSa median income have lower interest rates of
4.5 percent or less and are based upon the owner-occupants ability to repay the
loan, or for rental units, the project's income available to repay the loan.
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Loan Terms |
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Loans have interest rates based on the income of tenants served and projected
income available to repay the loan. Generally, the maximum loan is 95 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. MSA median income may have deferred payments if necessary for
project feasibility.
Loans should accomplish the following: correct exterior and interior
deficiencies; make handicapped 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.
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Local Government Involvement |
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Generally, all loan requests are processed directly by local governments for
properties within their jurisdiction.
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How To Apply |
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Applicants should contact their local housing office or DHCD's Single
Family Housing at 410-514-7565 (within the Baltimore area) or 1-800-639-7781.
MHRP-SF loans are originated, packaged and closed by the Maryland
Department of Housing and Community Development Special Loan Program's (SLP)
network of local administering agencies. The network includes the county
housing and community development offices as well as nonprofit organizations
and local banks.
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Click here for a list
of local contacts by County
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Two agencies that serve as outreach agents for
MHRP-SF: |
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Tri-County Community Development Corp., Inc. for Calvert, Charles, and St.
Mary's Counties- 301-274-4474
First Shore Federal Savings and Loan for Wicomico and Worcester Counties-
410-546-1101
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Single Family Housing
Community Development Administration
Maryland Department of Housing and Community Development
100 Community Place
Crownsville, MD 21032-2023
singlefamilyhousing@dhcd.state.md.us
410-514-7530
Toll Free (Maryland Only): 800-638-7781
TTY 410-514-7531
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