Maryland Housing Rehabilitation Program- Single Family
Purpose of Program
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.
Eligible Types of Housing
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.
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.
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. MSA 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.
Local Government Involvement
Generally, all loan requests are processed directly by local governments for properties
within their jurisdiction.
How To Apply
Applicants should contact their local housing office or DHCD's Single Family Housing
at 410-514-7530 (within the Baltimore area) or 1-800-638-7781.
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.
List of local contacts by County
For More Information, Contact:
Single Family Housing
Community Development Administration
Maryland Department of Housing and Community Development
100 Community Place
Crownsville, MD 21032-2023
Toll Free (Maryland Only): 800-638-7781
TTY 711 or 1-800-735-2258