The Maryland Department of Housing and Community Development is proud to be at the forefront in implementing housing policy that promotes and preserves homeownership and creating innovative community development initiatives to meet the challenges of a growing Maryland. Through the Maryland Mortgage Program, the department has empowered thousands of Maryland families to realize the American dream of homeownership and for existing homeowners. The department’s rental housing programs increase and preserve the supply of affordable housing and provide good choices for working families, senior citizens, and individuals with special needs. Community development and revitalization programs like Neighborhood BusinessWorks, Community Legacy, and Main Street Maryland help our cities and towns remain rich, vibrant communities. The Maryland Department of Housing and Community Development remains committed to building on our past successes to maintain our reputation as an innovator in community revitalization and a national leader in housing finance. DISCLAIMER: Some of the information may be tied to the Department’s bond funded loan programs and should not be relied upon in making an investment decision. The Department provides comprehensive quarterly and annual financial information and operating data regarding its bonds and bond funded loan programs, all of which is posted on the publicly-accessible Electronic Municipal Market Access system website (commonly known as EMMA) that is maintained by the Municipal Securities Rulemaking Board, and on the Department’s website under Investor Information. More information accessible here: http://dhcd.maryland.gov/Investors/Pages/default.aspx

The Maryland Department of Housing and Community Development offers multifamily finance programs for the construction and rehabilitation of affordable rental housing units for low to moderate income families, senior citizens and individuals with disabilities. Our multifamily bond programs issues tax-exempt and taxable revenue mortgage bonds to finance the acquisition, preservation and creation of affordable multifamily rental housing units in priority funding areas. By advocating for increased production of rental housing units, we help create much-needed jobs and leverage opportunities to live, work and prosper for hardworking Maryland families, senior citizens, and individuals with disabilities throughout the state. DISCLAIMER: Some of the information may be tied to the Department’s bond funded loan programs and should not be relied upon in making an investment decision. The Department provides comprehensive quarterly and annual financial information and operating data regarding its bonds and bond funded loan programs, all of which is posted on the publicly-accessible Electronic Municipal Market Access system website (commonly known as EMMA) that is maintained by the Municipal Securities Rulemaking Board, and on the Department’s website under Investor Information. More information accessible here: http://dhcd.maryland.gov/Investors/Pages/default.aspx

Maryland Mortgage Program (MMP), a program offered by the Community Development Administration (CDA), a part of the Maryland Department of Housing and Community Development (DHCD) provides home loans and down payment assistance to Maryland families, encouraging homeownership and community growth. In partnership with commercial lenders, MMP offers competitive loans with the added benefit of down payment and closing cost assistance in the form of zero percent deferred loans that can be used in conjunction with funding from other sources (e. g. partnership program organizations). For more information on how to apply, please visit mmp.maryland.gov.

The Special Loans Program rehabilitates homes of moderate income Maryland homeowners across the state in cooperation with the Local Government agencies. Types of rehabilitation include accessibility modifications for senior and disabled occupants, bringing electrical and/or plumbing systems to state and local codes, making roof and structural repairs, and in exceptional cases replacing an uninhabitable dwelling with a modest living structure. DISCLAIMER: Some of the information may be tied to the Department’s bond funded loan programs and should not be relied upon in making an investment decision. The Department provides comprehensive quarterly and annual financial information and operating data regarding its bonds and bond funded loan programs, all of which is posted on the publicly-accessible Electronic Municipal Market Access system website (commonly known as EMMA) that is maintained by the Municipal Securities Rulemaking Board, and on the Department’s website under Investor Information. More information accessible here: http://dhcd.maryland.gov/Investors/Pages/default.aspx

The Special Loans Program rehabilitates homes of moderate income maryland homeowners across the state in cooperation with the Local Government agencies Types of rehabilitation include accessibility modifications for senior and disabled occupants, bringing electrical and/or plumbing systems to state and local codes, making roof and structural repairs, and in exceptional cases replacing an uninhabitable dwelling with a modest living structure.

Active loan characteristics aggregated at the county level of geography, including number of loans, average loan amount, average loan amount by 5 year ranges, number of loans to Section 523 Mutual Self Help Housing program participants, and number of leveraged loans.

Active borrower characteristics aggregated at the Congressional District level of geography, including number of borrowers, income levels, race, ethnicity, marital status, number of children in household, and average household size.

Active borrower characteristics aggregated at the county level of geography, including number of borrowers, income levels, race, ethnicity, marital status, number of children in household, and average household size.

The FHA Office of Housing is conducting a series of mortgage loan sales under the Single Family Loan Sale (SFLS) Initiative. The current sales structure consists of whole loan, competitive auctions, offering for purchase defaulted single family mortgages provided by FHA-approved loan servicers. The loans sold contain specified representations and warranties and may be sold with post-sale restrictions and/or reporting requirements. Currently, the FHA is selling loans in large national pools, as well as loan pools in designated geographical areas that are aimed at a neighborhood stabilization outcome (“NSO pools”).

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