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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.

Eligible Applicants

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.

Loan Terms

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
singlefamilyhousing@dhcd.state.md.us
410-514-7530
Toll Free (Maryland Only): 800-638-7781
TTY 711 or 1-800-735-2258

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