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 Maryland Mortgage Program provides help in the form of Down Payment Assistance, as well as a range of Partner Match programs from employers, developers and community organizations that can help you cover these down payment and closing costs. These programs may make it possible for first-time homebuyers to afford a mortgage when they would not be able to do so the conventional way. 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

Borrower, property and loan characteristics for all active Section 502 Guaranteed Loans, aggregated by county. Borrower characteristics include: income, debt-income ratio, race, ethnicity, marital status, dependents, household size, first-time homebuyer status, age and disability status. Property characteristics include: project type (PUD, Condo, Coop), housing structure (detached, attached), manufactured home, living area. Loan characteristics include: loan request amount, loan amount, loan-to-value ratio, and appraised value.

The HOME Investment Partnership Program (HOME) is authorized under Title II of the Cranston-Gonzalez National Affordable Housing Act. HOME provides formula grants to States and localities that communities use – often in partnership with local nonprofit groups – to fund a wide range of activities that build, buy, and/or rehabilitate affordable housing for rent or homeownership or provide direct rental assistance to low-income people. HOME is the largest Federal block grant to State and local governments designed exclusively to create affordable housing for low-income households. Each year it allocates approximately $2 billion among the States and hundreds of localities nationwide.

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

Active loan characteristics aggregated at the Congressional District 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.

This service provides location and program data for HUD-FHA Revitalization Areas. Revitalization Areas are HUD-designated geographic areas authorized by Congress under provisions of the National Housing Act intended to promote "revitalization, through expanded homeownership opportunities.” HUD-owned single-family properties located in a Revitalization Areas are eligible for discounted sale through special programs, including the Asset Control Areas (ACA) Program, and the Good Neighbor Next Door (GNND) Program. Revitalization Areas are determined by comparing a block group's median household income and home ownership rate to the respective rates of the surrounding area. If the block group is located in a CBSA Metropolitan area, then the metro area is used. However, if the block group is located in a Non-Metro area, then the state rate is used.

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.