Mortgage and Utility Assistance for Homeowners
If you have difficulty paying your mortgage or utility bills, there are programs to help get you back on your feet.
The first and best step you can take is to contact your mortgage lender or servicer as soon as possibleto go over your options. There are also state-approved counselors and attorneys who can help you through this process, and ensure that you are using reputable agencies.
The Maryland Department of Labor has additional information online at Foreclosure Help for Homeowners – Office of the Commissioner of Financial Regulation (state.md.us)
If you are falling behind on your heating and cooling or water bills, you are again encouraged to seek help early in the process, before you receive a shut-off notice. Read more about energy help from the Office of Home Energy at Applying for Energy Assistance – Maryland Department of Human Services
Below you will find information on specific state and local assistance programs.
Foreclosure Prevention:
DHCD Homeowner Assistance Fund: https://dhcd.maryland.gov/Residents/Pages/HomeownerAssistanceFund.aspx
Allegany County: https://alleganyhrdc.org/foreclosure-assistance/
Anne Arundel County: https://acdsinc.org/housing-resources/homeowners/foreclosure-prevention/
Baltimore City: Emergency Mortgage and Housing Assistance Program: https://dhcd.baltimorecity.gov/hho/emergency-mortgage-housing-assistance-program
Baltimore City: Tax Sale Coordination and Prevention Services: https://dhcd.baltimorecity.gov/hho/tax-sale-prevention
Caroline County: Maryland Rural Development Corporation – Foreclosure Prevention: Housing – Maryland Rural Development Corporation (mrdc.net)
Carroll County: https://hspinc.org/housing/
Cecil County: Maryland Rural Development Corporation – Foreclosure Prevention: Housing – Maryland Rural Development Corporation (mrdc.net)
Dorchester County: Delmarva Community Services – Foreclosure Prevention: Community Action / Poverty Services – Delmarva Community Services, Inc. (dcsdct.org)
Garrett County: Community Action Foreclosure: Mortgage / Foreclosure (garrettcac.org)
Harford County: Maryland Rural Development Corporation – Foreclosure Prevention: Housing – Maryland Rural Development Corporation (mrdc.net)
Howard County: Housing Assistance Programs: https://www.howardcountymd.gov/housing-community-development/i-need-housing-assistance
Kent County: Maryland Rural Development Corporation – Foreclosure Prevention: Housing – Maryland Rural Development Corporation (mrdc.net)
Prince George’s County: https://www.princegeorgescountymd.gov/1015/Credit-Counseling-Foreclosure-Prevention
Energy Assistance Programs:
DHCD – Maryland Energy Assistance Program: https://dhcd.maryland.gov/Pages/EnergyEfficiency/MEAP.aspx
Allegany: Home Energy Assistance: https://alleganyhrdc.org/home-energy-assistance/
Calvert: Office of Home Energy Program: https://www.smtccac.org/office-of-home-energy-program.aspx
Carroll: Carroll County Home Energy Program: https://hspinc.org/homeenergy/
Garrett: Office of Home Energy Program: Energy Assistance (garrettcac.org)
Harford: Electric Universal Service Program (EUSP) Electric Universal Service Program (EUSP) – Harford Community Action Agency (harfordcaa.org)
Harford: Arrearage Retirement Assistance (ARA) Arrearage Retirement Assistance (ARA) – Harford Community Action Agency (harfordcaa.org)
Harford: Utility Service Protection Program (USPP) Utility Service Protection Program (USPP) – Harford Community Action Agency (harfordcaa.org)
Talbot: Neighborhood Service Center Electric Universal Service Center: Programs – Neighborhood Service Center (nsctalbotmd.org)