Mortgage Assistance for Homeowners
If you have difficulty paying your mortgage, 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 possible to 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)
Below you will find information on specific state and local assistance programs.
Foreclosure Prevention:
Maryland Department of Housing and Community Development (DHCD): Homeowner Resources
Maryland Department of Housing and Community Development Housing (DHCD): Counselors List
Maryland Legal Aid: Get Help and Services
Allegany County: Housing Counseling
Anne Arundel County: Foreclosure Prevention
Baltimore City: Emergency Mortgage and Housing Assistance Program
Baltimore City: Tax Sale Coordination and Prevention Services
Calvert County: Foreclosure Information and Resources
Caroline County: Maryland Rural Development Corporation – Foreclosure Prevention
Cecil County: Maryland Rural Development Corporation – Foreclosure Prevention
Cecil County: Housing Counseling
City of Frederick: Housing Counseling
Dorchester County: Delmarva Community Services – Foreclosure Prevention
Garrett County: Asset Development
Harford County: Maryland Rural Development Corporation – Foreclosure Prevention
Howard County: Housing Assistance Programs
Kent County: Maryland Rural Development Corporation – Foreclosure Prevention
Montgomery County Department of Housing and Community Development: Foreclosure Prevention
Prince George’s County Counseling and Foreclosure Prevention
Utility Assistance for Homeowners
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.
Energy Assistance Programs:
Maryland Department of Housing and Community Development (DHCD) – Maryland Energy Assistance Program
Anne Arundel County: Community Action Group
Calvert County: Office of Home Energy Program
Carroll County: Home Energy Program
Charles County: Office of Home Energy Program
City of Frederick: Home Energy Programs
Garrett County: Asset Development
Harford County: Electric Universal Service Program (EUSP)
Harford County: Arrearage Retirement Assistance (ARA)
Harford County: Utility Service Protection Program (USPP)
Howard County: Community Action Council
Montgomery County: Energy Connection
Prince George’s County: Utility Assistance
Queen Anne’s County: Energy Assistance Resources
St. Mary’s County: Office of Home Energy Program
Talbot County: Neighborhood Service Center Electric Universal Service Center