Maryland Home Financing Program

Initial Steps to Obtain a Loan

  1. Contact a housing counseling agency. Refer to the list of counseling agencies for one in your area. A counseling certificate must be received prior to the execution of a contract of sale.
  2. Enter into a contract of sale on an eligible property (newly constructed homes must be in a Priority Funding Area) preferably with the assistance of a realtor.
  3. Set up a meeting to complete an application with the appropriate organization (refer to the contact list ).
  4. The loan packager will do a preliminary review of the borrower's eligibility and reserve funds for the loan.

For More Information:

  • Email Single Family Housing (SingleFamilyHousing@dhcd.state.md.us) or Contact:
  • Single Family Housing
  • Community Development Administration
  • Maryland Department of Housing and Community Development
  • 100 Community Place
  • Crownsville, MD 21032-2023
  • 410-514-7530
  • Toll Free (Maryland Only): 800-638-7781
  • Fax: 410-987-4136