Howard County Home Repair Program

Howard County Housing Repair Program

The Home Repair Program helps income eligible Howard County homeowners make repairs to their homes. The home repairs help the homeowner meet local housing codes for health and safety conditions. Repairs may include, but are not limited to: heating and air systems, electrical wiring, plumbing, roofs, windows and doors. The Home Repair Program has served the community for many years, and helped to preserve homes for residents of Howard County. Homeowners have been given the chance to make improvements to their home, thus reducing housing blight in many neighborhoods.

Special needs?

The County can also assist homeowners with repairs or improvements to assist with mobility, hearing, or vision issues. These repairs can help make it easier to get in or around the home. Ramps, chair lifts, or grab bars are just some of the modifications that can be made through the program for eligible households.

Who is eligible?

You must be the homeowner and live in the home. It must be a single family residence located within Howard County. Your household must meet the family size and income limits determined by the U.S. Department of Housing and Urban Development (HUD). All property taxes and outstanding home mortgages must be current, and home must be covered by hazard insurance.

Pre-Application for the Housing Repair Program – click here to download

Program Description and Income Limits – click here to download

Please call 410-313-6318 option 4, Monday – Friday from 8:30 a.m. to 5:00 p.m., or email at dgillen@howardcountymd.gov. Upon receipt of the general information, someone will contact you to confirm pre-eligibility for the program and schedule a home visit to complete an application.

Other Resources for Home Repairs
Howard County Housing also administers the Maryland Whole Home program to county homeowners. Maryland WholeHome offers grants and loans from the Maryland Department of Housing and Community Development to assist homeowners with a variety of upgrades and repairs, including: the installation of energy efficient appliances; repair or replacement of heating and cooling systems; removal of lead paint; and addressing structural and maintenance issues. The program offers low-interest loans and grants based on needed work, household income, and the homeowner’s ability to repay. For more information, contact Howard County Housing Home Repair Program at 410-313-3508. 

Website

Baltimore Financial Incentives

Live Baltimore – City Living Starts Here

Baltimore City offers a variety of incentive programs to homebuyers, homeowners, and renters. Each program has specific qualifications, managed by different city departments or nonprofits. If you think you qualify, contact the program administrator listed for the program you are interested in. Live Baltimore does not manage or fund any of these incentive programs, but we can help you review your options and put you in touch with the organizations that do.

Get started by clicking here…Live Baltimore

 

 

Prince George’s County Programs

Prince George’s County Programs

  1. Family Self Sufficiency

    The Family Self Sufficiency program requires that the head of household enter a five-year contract with the Housing Authority during which time the family will receive supportive services.

  2. Housing Choice Voucher Homeownership Program

    The Housing Choice Voucher Program (HCVP), also referred to as “Section 8”, is a “tenant-based” voucher program that provides tenants the opportunity to live where they choose.

  3. Housing Choice Voucher Program

    The Housing Choice Voucher Program (HCVP), also referred to as “Section 8”, is a “tenant-based” voucher program that provides tenants the opportunity to live where they choose.

  4. Moderate Rehabilitation Program

    The Moderate Rehabilitation Program (Mod Rehab) provides project-based rental assistance for low-income families.

  5. Public Housing

    The Housing Authority owns and manages 392 units of public and assisted housing in Prince George’s County.

  6. Rental Allowance Program

    The Rental Allowance Program (RAP) provides fixed monthly rental assistance payments to eligible lower-income homeless persons and households with critical and emergency housing needs.

  7. Veterans Affairs Supportive Housing

    The HUD-Veterans Affairs Supportive Housing program combines Housing Choice Voucher rental assistance for homeless Veterans with case management and clinical services provided by the Department of Veterans Affairs.

    Eric C. Brown

    Director
    Physical Address
    9200 Basil Court
    Suite 107
    Largo, MD 20774
    Phone: 301-883-5501
    Fax: 301-883-3403

Baltimore City Rehabilitation Deferred Loans

Deferred Loan Program

What is it?

The Deferred Loan Program offers below market-rate rehabilitation loans for owner-occupied properties. Loans are available to low- and moderate-income households. Typical repairs qualifying for this assistance include, but are not limited to: furnace, roof, electrical, and plumbing repair, and accessibility improvements for elderly/handicapped homeowners.

Who is eligible?

Households below 80% of Baltimore City median income levels (see chart below).

All Baltimore City homes and condominiums, including units with one to two dwellings, as long as the owner resides on the property

The underwriting staff will determine eligibility for specific loan programs following review of the application, income verification, credit reports, tax assessment and property value.

Household Size         Annual Income

1                                       $44,750

2                                             $51,150

3                                             $57,550

4                                             $63,900

5                                             $69,050

6                                             $74,150

7                                              $79,250

8                                              $84,350

What are the benefits?

Structural repair promotes safe and adequate living conditions for all property residents. Maryland law requires compliance with health and building codes.

What are the loan terms?

Loans are available to qualifying households with a 3% simple interest rate.

The homeowner makes no monthly payments, and all payments are deferred until after the sale, refinance or transfer of title to the property.

All application fees and closing costs are included in the loan amount.

How do I apply?

Download an application for assistance and a lead hazard information pamphlet or call (410) 396-3023 to have one mailed to you.

For more information about this program, contact:

Baltimore Housing
LIGHT Program
2700 N. Charles Street, Suite 201
Baltimore, MD 21218
(410) 396-3023

Or visit their website.

Baltimore County Single Family Rehab and Emergency Repair

Single Family Rehab and Emergency Repair

The Single Family Rehabilitation Loan Program is designed to assist income eligible homeowners with low cost or no cost loans to correct hazardous conditions, eliminate safety hazards, repair or replace major systems, correct interior and exterior deficiencies, energy improvements, modifications for persons with disabilities and eliminate lead based paint hazards.

The Emergency Repair Program is designed to assist income eligible homeowners with a grant to repair or replace a major system which has failed or is in imminent danger of failure and which poses a hazard to the occupants’ health or safety.

The Maryland Housing Rehabilitation Program (MHRP), like the Single Family Rehabilitation Loan Program, is designed to assist income eligible homeowners with low cost or no cost loans to correct hazardous conditions, eliminate safety hazards, repair/replace major systems, correct interior and exterior deficiencies, energy improvements, modifications for persons with disabilities and eliminate lead based paint hazards. This program is funded by the Maryland Department of Housing and Community Development.

The above information is a brief summary of these programs. Detailed regulations, policies and procedures govern the programs. For additional information or to schedule an appointment to file an application, contact the Housing Rehabilitation Program staff or visit their website for more details.

Debbie Sparks
Phone: 410-887-3124
dsparks@baltimorecountymd.gov

Revised April 6, 2016

USDA Home Repair Program

Single Family Housing Repair Loans & Grants

Fact Sheet

Program Status: Open

What does this program do? 
Also known as the Section 504 Home Repair program, this provides loans to very-low-income homeowners to repair, improve or modernize their homes or grants to elderly very-low-income homeowners to remove health and safety hazards.

Who may apply for this program?
To qualify, you must:

  • Be the homeowner and occupy the house
  • Be unable to obtain affordable credit elsewhere
  • Have a family income below 50 percent of the area median income 
  • For grants, be age 62 or older and not be able to repay a repair loan

What is an eligible area?
Applicants may check the address of their home to determine eligibility.

How may funds be used?

  • Loans may be used to repair, improve or modernize homes or remove health and safety hazards
  • Grants must be used to remove health and safety hazards

How much money can I get?

  • Maximum loan is $20,000
  • Maximum grant is $7,500
  • Loans and grants can be combined for up to $27,500 in assistance

What are the terms of the loan or grant?

  • Loans can be repaid over 20 years
  • Loan interest rate is fixed at 1%
  • Full title service is required for loans of $7,500 or more
  • Grants have a lifetime limit of $7,500
  • Grants must be repaid if the property is sold in less than 3 years
  • If applicants can repay part, but not all of the costs, applicants may be offered a loan and grant combination

Is there a deadline to apply? 

  • Home loans are available year round as long as funding is available
  • Home loan applications are processed in the order they are received

How long does an application take? 
Approval times depend on funding availability in your area. Talk to a USDA home loan specialist in your area for help with the application

Who can answer questions and how do I get started?
Contact a USDA home loan specialist in your area

What governs this program?

  • The Housing Act of 1949 as amended, 7 CFR Part 3550
  • HB-1-3550 – Direct Single Family Housing Loans and Grants Field Office Handbook

Why does USDA Rural Development do this?
Helping people stay in their own home and keep it in good repair helps families and their communities. Homeownership helps families and individuals build savings over time. It strengthens communities and helps many kinds of businesses that support the local economy.

NOTE: Because citations and other information may be subject to change, please always consult the program instructions listed in the section above titled “What Governs this Program?” Applicants may also contact your local office for assistance.

ited State Department of Agriculture offers housing repair loans, also known as the Section 504 Home Repair program, to provide loans to very-low-income homeowners to repair, improve or modernize their homes or grants to elderly very-low-income homeowners to remove health and safety hazards in certain areas of Maryland.

To Qualify You Must

  • Be the homeowner and occupy the house.
  • Be unable to obtain affordable credit elsewhere.
  • Have a family income below 50 percent of the area median income.
  • For grants, be age 62 or older and not be able to repay a repair loan.
  • Live in an eligible area.

For more information visit United States Department of Agriculture Rural Development.

Healthy Neighborhoods Loan Program For Baltimore City

Healthy Neighborhoods Loan Program

Healthy Neighborhoods oversees a $30.5 million private loan fund and provides special below-market loans to homebuyers and homeowners in Baltimore City to encourage investment and standard-setting renovation. Healthy Neighborhoods provides four innovative loans to eligible borrowers.

For a list of loan pool lenders who have contributed to this fund, click here.

Purchase & Renovate

Buying a home in one of Baltimore’s Healthy Neighborhoods? Healthy Neighborhoods offers a loan to help you purchase and renovate your new house on Healthy Neighborhoods target blocks. What’s in it for you? A below-market interest rate, free design advice, no private mortgage insurance requirement and more. What’s in it for us? We get new neighbors invested in keeping Baltimore beautiful! Learn More

Special Purchase

The special first mortgage loan is available to home buyers who will purchase formerly vacant homes in Belair-Edison developed by St. Ambrose Housing Aid Center and other formerly vacant homes developed by Healthy Neighborhoods approved developers. Learn More

Refinance & Renovate

Already live in a Healthy Neighborhood? We can refinance your existing mortgage and lend you additional funds to update your home on a target block. Learn More

 

Home Improvement

If you live within the boundaries of a Healthy Neighborhood but not on a target block, we offer this loan to help you complete some renovation to your home. You can borrow between $5,000 and $20,000 to build a chef’s kitchen, put in a spa bathroom, update outdated windows, upgrade with new mechanical systems–whatever your home deserves and you desire. Learn More

Visit Healthy Neighborhoods Website

 

 


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