DEPARTMENT OF HOUSING & COMMUNITY DEVELOPMENT

FUNCTIONS

To revitalize commercial districts and blighted areas, plan growth and resource development, and provide housing for citizens not served by the private sector, the Department funnels federal and State funds to communities and supports community action and regional development agencies.

In April 2015, the Department moved from 100 Community Place, Crownsville, Maryland (Anne Arundel County) to its present site at 7800 Harkins Road, Lanham, Maryland (Prince George's County).

OFFICE OF SECRETARY

Appointed by the Governor with Senate advice and consent, the Secretary of Housing and Community Development is chief executive officer of the Department. The Secretary sets policy, promulgates rules and regulations, and determines the strategies to fulfill the Department's mandate. The Secretary is responsible for the budget of the Department and the budgets of the boards, commissions, and offices under its jurisdiction (Code, Housing & Community Development Article, secs. 2-103, 2-104).

The Secretary chairs the Interagency Council on Homelessness, and also serves on the Governor's Executive Council, the Commerce Subcabinet, and the Smart Growth Subcabinet. In addition, the Secretary is a member of the Maryland Affordable Housing Trust; the Interagency Committee on Aging Services; the Maryland Agricultural Education and Rural Development Assistance Board; the Behavioral Health Advisory Council; the Maryland Building Rehabilitation Code Advisory Council; the State Children's Environmental Health and Protection Advisory Council; the Interagency Disabilities Board; the Commission on Environmental Justice and Sustainable Communities; the Financial Education and Capability Commission; the Maryland Green Building Council; the Maryland Heritage Areas Authority; the Maryland Advisory Council on Historic Preservation; the State Coordinating Committee for Human Services Transportation; the Council on Open Data; the Rural Maryland Council; the Interdepartmental Advisory Committee on Small, Minority, and Women Business Affairs; the Governor's Commission on Small Business; and the State Center Executive Committee.

The Secretary of Housing and Community Development is responsible for five divisions: Credit Assurance; Development Finance, Finance and Administration; Information Technology; and Neighborhood Revitalization.

Directly under the Secretary are the Deputy Secretary, the Chief Financial Officer, and the Chief Operating Officer and Chief of Staff, as well as Business Development for Project CORE, and the Office of Statewide Broadband.

CHIEF OF STAFF
From February 2019 to March 2022, the Chief of Staff oversaw six offices: Fair Practices; Housing and Economic Research; Human Resources; Legislative Affairs; Operations and Administration; and Public Information. In March 2022, the Chief of Staff was renamed as the Chief Operating Officer and Chief of Staff responsible for three offices: Fair Practices, Human Resources, and Operations and Administration.

BUSINESS DEVELOPMENT FOR PROJECT C.O.R.E
In January 2016, the Governor with the Mayor of Baltimore, through their respective departments of housing and community development, entered into a memorandum of understanding to demolish thousands of vacant buildings in Baltimore City, paving the way for redevelopment, reinvestment, and stabilization of City neighborhoods. Housed within the Department of Housing and Community Development, this initiative was overseen by the Deputy Secretary from 2017 to 2019. Known as Project Creating Opportunities for Renewal and Enterprise (Project CORE), the initiative also includes the Maryland Stadium Authority as a partner. To assist these efforts, the Continuing the CORE [Creating Opportunities for Renewal & Enterprise] Partnership Fund was created in July 2018 (Chapters 639 & 640, Acts of 2018). Project CORE was placed directly under the Office of Secretary in May 2019.

CHIEF FINANCIAL OFFICER

DIVISION OF FINANCE & ADMINISTRATION

The Division of Finance and Administration began as the Division of Finance and received its present name in 1992. The Community Development Administration, the Maryland Housing Fund, and the Office of the Chief Financial Officer of the Department transferred to the Division in 1994. In May 2023 through a Departmental reorganization the Division was placed under the Chief Financial Officer.

Advice and technical support in fiscal matters is provided by the Division to the Department's senior program directors and managers. The Division accounts for Department expenditures and revenues; manages the capital and operating budgets; processes contracts, purchasing and procurement requests; and provides financial analytical review and reporting services. For the Department, the Division oversees financial management and central support services, including telecommunication systems, and facilities and fleet management.

Seven offices are overseen by the Division: Accounting, Budget, Financial Analysis, Fund Accounting, Procurement, State-Funded Loan Program, and Systems Analysis and Reporting.

CHIEF OPERATING OFFICER

OFFICE OF OPERATIONS & ADMINISTRATION

RECORDS MANAGEMENT
Since October 1, 2017, the Department of Housing and Community Development has had a program for the continual, economical and efficient management of its records. The Department's Records Officer develops and oversees the program, and serves as liaison to the Records Management Division of the Department of General Services, and to the State Archives (Chapter 539, Acts of 2017; Code State Government Article, secs. 10-608 through 10-611).

OFFICE OF STATEWIDE BROADBAND
In 2017, the Office of Statewide Broadband was created by the Governor as the Office of Rural Broadband within the Department of Information Technology (Executive Order 01.01.2017.14). By 2020, the Office had transferred to the Department of Housing and Community Development where it was placed under the Chief Financial Officer. In April 2021, the Office of Rural Broadband was restructured by the General Assembly as the Office of Statewide Broadband within the Department of Housing and Community Development (Chapter 74, Acts of 2021). The Office was placed directly under the Office of Secretary in July 2021.

In Maryland, the Office of Statewide Broadband develops definitions and standards for broadband to meet requirements for businesses, communities, educational institutions and health care providers. To create a statewide audit of availability, reliability, and affordability of broadband internet services in each county, the Office collects pricing data from providers, and assesses actual upload and download speeds experienced by consumers.

To expand access to broadband internet services, local jurisdictions are assisted by the Office, which identifies areas needing better internet service, estimates what funding is needed to connect residents to high-speed internet service, and coordinates the delivery of resources to improve access to broadband services in those areas. To further those ends, the Office is to maintain a website with a publicly accessible map showing where no access to broadband internet is available; the prices and plans available for broadband internet services in different areas; and other available geographic and demographic State data. Geographic and demographic data on households relying on mobile broadband for internet service is to be collected, analyzed, and shared by the Office.

Data on funding available through government and private sources for expanding broadband infrastructure is identified and shared by the Office, which also solicits information on financial investment in high-speed internet from local jurisdictions and private entities. Through partnerships with library systems, local jurisdictions, other institutions, and the private sector, funding and technical assistance is provided by the Office to local governments and private entities to qualify for federal funding opportunities, and to plan and construct broadband infrastructure. In addition, the Office evaluates new technologies that increase the availability of broadband internet service in Maryland; looks for partnerships to share resources; recommends policy, legislation, and regulations for improving availability and access to broadband internet service in the State; and collaborates with local education agencies and community colleges to ensure that students have reliable broadband internet necessary for remote learning.

Three Funds are administered by the Office: the Digital Connectivity Fund; the Digital Inclusion Fund, and the Rural Broadband Assistance Fund.

Annually, the Office reports to the Governor and General Assembly, and by July 1, 2022, the Office is to prepare and submit a statewide plan to the Governor and General Assembly (Chapter 74, Acts of 2021).

DIVISION OF INFORMATION TECHNOLOGY

As the Office of Data Processing under the Division of Finance and Administration, the Division of Information Technology originated in 1985. It became the Office of Research and Information Systems under the Office of Secretary in 1988. Renamed Office of Information Systems in 1994, the Office reorganized as the Division of Information Technology and Portfolio Management in 1996, and under its present name in 1998. In May 2023 through a Departmental reorganization the Division was placed under the Chief Operating Officer.

The Division provides technology products and services to Department staff, and assesses their technology needs. Further, the Division designs, develops, implements, and maintains necessary databases and applications, trains staff users, and provides technical support.

DEPUTY SECRETARY

The Deputy Secretary since January 2022 has been responsible for four offices: Community Engagement, Legislative and Public Affairs, Public Information, and Research and Economic Development.

OFFICE OF PUBLIC INFORMATION
The Office of Public Information oversees two offices: Communications, and Community Outreach.

OFFICE OF RESEARCH & ECONOMIC DEVELOPMENT
The Office of Research and Economic Development began as the Office of Research when the Department of Economic and Community Development formed in 1970. The Office joined in 1987 the Department of Housing and Community Development. In 1995, it became the Office of Policy Analysis and Commission Support; in 1996, the Office of Research; and in 1997, Research and Statistics. By 2003, it reformed as Research and, in 2007, as the Office of Research. In July 2008, it reorganized as the Office of Policy, Planning, and Research, and in April 2015, as the Office of Research, Policy, and Legislative Affairs. Through restructuring in July 2015, it became the Office of Housing and Economic Research, and in 2017 moved under the Office of Public Information. In January 2021, the Office became the Office of Research and Economic Development under the Deputy Secretary.

This office analyzes policy issues and develops legislative initiatives. It helps develop Department databases and geographic information systems for policy reporting. The Office also prepares the Consolidated Plan (for housing and economic and community development) required by the U.S. Department of Housing and Urban Development and the Plan's annual updates, performance reports, and fair housing strategy.

DIVISION OF CREDIT ASSURANCE

The Division of Credit Assurance started as the Division of Housing Insurance in 1987. Renamed the Division of Housing Credit Assurance in 1990 (Chapter 321, Acts of 1990), it received its present name in 1996.

The Division is responsible for the Maryland Housing Fund and asset management for the multi-family loan portfolio of the Department (Code Housing & Community Development Article, secs. 3-101 through 3-104).

MARYLAND HOUSING FUND

ASSET MANAGEMENT

Asset Management began as Housing Management in the Community Development Administration. Renamed Asset Management, it transferred to the Division of Housing Credit Assurance in May 1994 and to the Division of Credit Assurance in 1996. Its functions reformed under Multifamily Asset Management in 1998. Reorganization in 2003 created Asset Management overseeing Single-Family Operations, and Multifamily Operations (now Special Assets).

Asset Management monitors and manages the Department's multifamily, single family, and small business portfolios and real estate assets, including State-funded loans and bond loans insured by the Maryland Housing Fund, the Federal Housing Authority, and others. To oversee these portfolios and real estate assets, Asset Management uses automated databases, standardized procedures, and early warning indicators. The database also provides a means of monitoring performance trends of the portfolio as a whole.

Construction Loans insure mortgages to nonprofit and qualified private developers of new or rehabilitated housing for families and individuals, the elderly and the disabled. Only in combination with permanent mortgage financing are construction loans insured. The Maryland Housing Fund is the only insurer of construction loans in the State, other than the Federal Housing Administration.

Permanent Loans insure permanent mortgages to nonprofit and qualified private developers of new or rehabilitated housing. Permanent mortgage insurance is provided to multifamily projects for new construction and rehabilitation, projects receiving federal subsidies, and market-rate projects financed by eligible issuers of revenue bonds.

Portfolio Management began in 1994 under the Maryland Housing Fund and became part of the Division of Information Technology and Portfolio Management in 1996. Functions of the office were returned to the Maryland Housing Fund in 1998. For the Maryland Housing Fund, the office focuses on risk management, and analysis and planning to better position the Fund's portfolio for the future. The office has helped increase reserve funds through loan and mortgage insurance initiatives.

Special Housing Opportunities Program (SHOP) Loans provide mortgage insurance to encourage the availability of financing to nonprofit agencies for group homes to house those with special needs, including the elderly, and the developmentally and mentally challenged. Mortgage loans finance or refinance acquisition, construction, or rehabilitation of shared living or related facilities for those with special needs. The Community Development Administration is the lender for these programs.

SINGLE-FAMILY OPERATIONS
Single-Family Operations was initiated as Single-Family Programs, and received its present name in 1998.

For single-family mortgage loans, this office oversees four programs: the Pool Insurance Program, the Public Mortgage Single-Family Program, the Regular Mortgage Insurance Program, and the Revitalization Program.

Pool Insurance Program. This program offers insurance covering up to 100 percent of the loss on mortgages where there is primary coverage. The aggregate amount payable under this coverage is an agreed percentage (usually 5 to 10 percent) of the initial principal amount of mortgages financed through a revenue bond series. The Maryland Housing Fund provides pool insurance for revenue bonds issued by the Community Development Administration and other housing agencies.

Public Mortgage Single-Family Program. The Program offers primary insurance coverage on mortgages of up to 100 percent loan-to-value ratios financed by revenue bond-funded direct mortgages or mortgage purchase programs of a public agency mortgagee. The insurance is governed by the Regular Mortgage Insurance Program regulations, with modifications.

Regular Mortgage Insurance Program. Primary insurance coverage on mortgages of up to 100 percent loan-to-value ratios is offered by this program on terms provided by major financial institutions. Mortgage insurance premiums are comparable to those charged by private mortgage insurers. This program is approved by the Federal National Mortgage Association.

Revitalization Program. The Program provides opportunities to lower the risk of lending by using Maryland Housing Fund insurance to stimulate the flow of private mortgage capital into areas where home ownership has declined. In addition, the Program makes home ownership possible for those without the resources for property repairs and closing costs, which otherwise would be required. The borrower must make a minimum cash contribution (at least $500) based on household income. Currently, there is a risk-sharing requirement for lenders participating in this program.

DIVISION OF DEVELOPMENT FINANCE

The Division of Development Finance began in 1987 as the Division of Housing Finance (Chapter 311, Acts of 1987). In 1995, it received its present name (Chapter 115, Acts of 1995). The Division consists of the Community Development Administration, which operates finance programs for single- and multi-family housing with the proceeds of revenue bonds issued by the Administration. The Division runs other State housing programs as well (Code Housing & Community Development Article, secs. 4-101 through 4-103).

COMMUNITY DEVELOPMENT ADMINISTRATION

The Administration works to increase the supply of housing for families of limited income, the elderly, and the disabled. It also fosters sound community development and stimulates the construction industry statewide. Programs that increase home ownership, improve rental housing, build group homes, and assist owners with rehabilitated housing are overseen by the Administration. Programs are funded by the sale of tax-exempt revenue bonds; taxable bonds; State general obligation bonds; general funds; special funds generated through loan repayments, fees, and charges; and federal housing subsidies. The Administration also issues essential function bonds for the Local Government Infrastructure Program.

Projects proposed for financial assistance must comply with local priorities and complement and supplement local community development programs and initiatives. Projects also must meet eligibility criteria and financing requirements (Code Housing & Community Development Article, secs. 4-201 through 4-216).

HOUSING FINANCE REVIEW COMMITTEE
In 1983, the Housing Finance Review Committee was created (Chapter 668, Acts of 1983). The Committee reviews specific loan requests or categories of loan requests, and the investment and project financing policies of the Division of Development Finance. After review, the Committee makes recommendations to the Secretary of Housing and Community Development.

Appointed by the Governor upon recommendation of the Secretary of Housing and Community Development, the Committee is composed of seven members (Code Housing & Community Development Article, sec. 4-208).

MARYLAND AFFORDABLE HOUSING TRUST
The Maryland Affordable Housing Trust was constituted in 1992 to enhance the availability of affordable housing throughout the State (Chapter 265, Acts of 1992). A public instrumentality of the State, the Trust may receive monies for investment in the Maryland Affordable Housing Trust Fund. From this Fund, the Trust may make awards to support acquisition, construction, rehabilitation, or preservation of affordable housing; efforts of nonprofit organizations to develop affordable housing; and operating expenses of housing developments with affordable housing.

The Trust consists of fourteen members. Eleven voting members are appointed to four-year terms by the Governor with Senate advice and consent. Three nonvoting members include the Secretary of Housing and Community Development; a senator appointed by the Senate President; and a delegate chosen by the House Speaker (Code Housing & Community Development Article, secs. 10-101 through 10-301).

BOND FINANCE

CAPITAL STATE FUNDS & GENERAL ACCOUNTING

ENERGY & BUSINESS LENDING

MULTIFAMILY & BUSINESS LENDING PROGRAMS

Under Multifamily and Business Lending Programs are two units: Business Lending, and Multifamily Housing Programs.

BUSINESS LENDING
In 1995, Business Lending began as the Neighborhood Business Development Program under the Division of Neighborhood Development. Later, it became the Neighborhood BusinessWorks Program under the Community Development Administration. In April 2015, the Program was reformed as Business Lending within the Division of Development Finance under Multifamily and Business Lending Programs.

Business Lending stimulates investment in Maryland's older communities. It aids designated neighborhoods to develop, redevelop, or expand small businesses, invests in revitalizing small businesses, and helps local governments develop and expand small businesses (Code Housing & Community Development Article, secs. 6-301 through 6-311).

To help increase credit availability for small businesses in response to the economic effects of the COVID-19 pandemic, the federal American Rescue Plan Act of 2021 in March 2021 reauthorized and expanded the federal Small Business Jobs Act of 2010. The Jobs Act created the State Small Business Credit Initiative within the U.S. Department of the Treasury. In December 2021, the Governor designated the Department of Housing and Community Development to administer the State Small Business Credit Initiative for Maryland (Executive Order 01.01.2021.12).

The State Small Business Credit Initiative supports states with programs that increase access to credit for small businesses, which have had difficulty retaining existing loans or securing new loans needed to keep in operation.

MULTIFAMILY HOUSING PROGRAMS
Multifamily Housing Programs administers lending programs to increase available housing statewide. Funds either are appropriated by the State or raised through bond sales by Bond Finance. Loans are used by borrowers to purchase single-family homes; construct or rehabilitate rental housing; finance group homes for the elderly and Marylanders with special needs; and assist homeowners with maintenance, rehabilitation, or weatherization.

Under Multifamily Housing Programs are two units: Housing Development, and Rental Service.

HOUSING DEVELOPMENT
Eleven programs come under Housing Development. They include the Elderly Rental Housing Program, the HOME Program, the Local Government Infrastructure Program, the Low-Income Housing Tax Credit Program, the Maryland Housing Rehabilitation Program - Multifamily, the Multifamily Bond Program, the Nonprofit Rehabilitation Program, the Partnership Rental Housing Program, the Rental Housing Production Program, the Shelter I Program, and the Transitional Housing and Emergency Shelter Program.

Elderly Rental Housing Program. This program was created by the Legislature in 1984. The Program provides below-market-rate or deferred payment loans to developers who agree to construct or rehabilitate rental housing for occupancy by low-income elderly households. Priority is given to developments that serve the lowest income households.

HOME Program. The Program finances construction, acquisition, and rehabilitation of rental housing, owner-occupied housing, and special needs housing, such as group homes. The Program was designated by the Governor to allocate funds from the HOME Investment Partnership Program established by the federal National Affordable Housing Act of 1990 (Title II). HOME funds are used in conjunction with the Homeownership, Housing Development and Special Loan Programs of the Community Development Administration. Projects funded must meet federal HOME regulations. For HOME funds used in conjunction with the Community Development Administration, projects must qualify for the Community Development Administration program. Some funds are allocated to an Opportunities Fund awarded competitively to initiate pilot programs, and support promising projects. Monies from the Opportunities Fund are awarded to projects that neither qualify for nor need funds from other programs of the Community Development Administration, or to those which the Administration, as a matter of policy, has elected not to fund under its existing program.

Local Government Infrastructure Program. This program began as the Local Government Infrastructure Financing Program under the Division of Community Assistance. In 1994, the Program became the Office of Community Assistance and received its present name in 1996. The Program helps local governments access capital markets to finance or refinance improvements to infrastructure. On behalf of local government agencies, bonds are issued to fund projects which provide or improve the physical elements of the public service system. Projects may include improvements to roads, water and sewer systems, parks, public buildings, and other local priorities. The State does not guarantee the bonds.

Low-Income Housing Tax Credit Program. The Governor designated this program to allocate tax credits in Maryland under the federal Tax Reform Act of 1986 and Revenue Reconciliation Act of 1989. Tax credits are awarded through a competitive allocation to both nonprofit and for-profit sponsors of low-income housing.

Maryland Housing Rehabilitation Program - Multifamily. The Program is designed to preserve housing by making direct, low-interest loans for repair and renovation to the owners of apartment buildings with five or more units and commercial properties. Recipients of loans for the renovation of rental properties must make units available to low-income tenants in the same proportion as Program financing to total project costs. Authorized by the General Assembly in 1975, the Program is funded by State general obligation bonds, general funds, and by repayments of principal and interest on outstanding loans (Code Housing & Community Development Article, secs. 4-901 through 4-932).

Nonprofit Rehabilitation Program. Formed by the General Assembly in 1986, the Program makes loans to nonprofit organizations and local governments. Its purpose is to rehabilitate buildings for rental housing, congregate housing, group homes, shelters, and other housing facilities that serve low-income households (Code Housing & Community Development Article, sec. 4-929).

Multifamily Bond Program. Below-market-rate construction and permanent financing using taxable and tax-exempt bonds and notes are provided by this program. To be eligible, developments must set aside a portion of the units for limited-income households.

Partnership Rental Housing Program. Authorized by the General Assembly in 1988, the Program started as a two-year pilot project to expand the supply of affordable housing for the working poor. The Program was established by statute in 1990 (Chapter 343, Acts of 1990). In a partnership, local governments provide the finished site, including roads, water, sewer, and other infrastructure, while the Division of Development Finance provides construction and permanent financing for rental housing units (Code Housing & Community Development Article, secs. 4-1201 through 4-1209).

Rental Housing Production Program. The Legislature created this program in 1986 to stimulate production of rental housing for lower-income households. Funds can be used for capital assistance to cover costs of construction, rehabilitation, or acquisition of rental housing; or for mortgage assistance to reduce the operating costs of rental housing. Local governments must make a contribution to reduce costs or otherwise support developments financed through the Program. Priority is given to developments that serve households at 30 percent or less of area median income. The Program is funded with general funds and repayments of principal and interest on outstanding loans (Code Housing & Community Development Article, secs. 4-1501 through 4-1511).

Shelter I Program. Established in January 1990, the Program encourages nonprofit organizations, such as churches and community groups, to take the initiative in sponsoring their initial small housing project for low-income families or individuals. The Program supplies technical assistance and preferred interest rate loans from the programs listed above.

Transitional Housing and Emergency Shelter Program. This program provides grants to improve or create transitional housing and emergency shelters which include supportive services for their tenants. Its purpose is to reduce homelessness in the State. New construction, acquisitions, rehabilitation of housing, and purchase of capital equipment are eligible for grants. Grants may be provided to local governments and nonprofit organizations (Internal Revenue Code, sec. 501(c)(3)). Sponsors must agree to maintain the project as transitional housing or an emergency shelter for a term of 15 years. Local government letters of support are required for all projects.

RENTAL SERVICE
Under Multifamily Housing Programs, Rental Service provides rental assistance with federal and State funds to low-income families for decent, safe and sanitary housing. Federal rental assistance comes to the State through the U.S. Department of Housing and Urban Development under the Federal Housing Act of 1937 (42 USC 1437, as amended). The office monitors compliance with legal mandates of all rental developments financed with Community Development Administration loans and federal Low-Income Housing Tax Credits. Rental Service Programs include the Rental Allowance Program, and the Section-8 Housing Choice Voucher Program.

Rental Allowance Program. Created by the General Assembly in 1986, this program was first funded in 1987. For low-income homeless households or those with critical or emergency housing needs, the Program subsidizes rent for short terms. The Program is administered through grants to local governments for monthly payments to eligible households. Funding is provided through State general funds (Code Housing & Community Development Article, secs. 4-1401 through 4-1408).

Section-8 Housing Choice Voucher Program. Under the Program, participating landlords make available to low-income families rental housing that meets occupancy standards. To qualify, total family income must be 50 percent or less of the median income for the area in which the housing is located. Through local administering agencies, the Community Development Administration accepts and reviews applications from prospective tenants for participation in the program. Families that qualify are issued Certificates of Family Participation.

The Community Development Administration or the local administering agency guarantees payments to owners who agree to rent to qualifying families. The housing and lease must adhere to federal standards. Through the Community Development Administration, the U.S. Department of Housing and Urban Development subsidizes a portion of the rent. Families may seek rental housing in neighborhoods that best suit their needs.

Under the Voucher Program, rent is established according to a local payment standard. If the rent exceeds the standard rate for that area, tenants may pay no more than 40 percent of their adjusted monthly income.

SINGLE-FAMILY HOUSING & ENERGY PROGRAMS

ENERGY PROGRAMS
Energy Programs oversees several programs that help Maryland residents improve energy efficiency in their homes. These include the BeSMART Home Loan Program, the EmPOWER Maryland Low-Income Energy Efficiency Program, the Enhanced Weatherization Program, and the Weatherization Assistance Program.

BeSMART Home Loan Program. This program offers innovative financing to improve home energy efficiency, save the homeowner money, increase the safety and comfort of the home, and add value to the home. Homeowners choose their weatherization and energy efficiency professionals from a list of eligible providers whose qualifications have been reviewed by the Department. This program has no income limits.

EmPOWER Maryland Low-Income Energy Efficiency Program. The program helps low-income households make energy efficiency repairs and upgrades free of charge. Program participants must meet income qualifications and have a utility account with one of five participating utility companies in Maryland.

Enhanced Weatherization Program. This program provides grants to eligible homeowners for energy efficiency repairs and improvements. To participate, homeowners must meet income qualifications and be the occupant of the home. The property must be located outside Baltimore City, and the homeowner must have a utility account with Baltimore Gas & Electric.

Weatherization Assistance Program. Formerly under the Department of Human Resources, this program became part of the Department of Housing and Community Development in 1987 (Chapter 311, Acts of 1987).

The Program funds local community service organizations to help eligible low-income households conserve energy by weatherizing their houses. Priority is given to homeowners who are elderly, disabled, or have children. Renters also may apply. The Program contracts with seventeen local administering agencies (county governments, community action agencies, offices on aging, and nonprofit organizations) to provide weatherization assistance statewide.

Since 1991, the Weatherization Assistance Program has entered into agreements with major utility companies in Maryland to promote energy conservation through weatherization in low-income households. By joining these private funds with federal funds, more low-income households can be served.

SINGLE-FAMILY HOUSING PROGRAMS

HOME OWNERSHIP
Home Ownership includes five programs: the Maryland Mortgage Program, the Maryland Home Financing Program, the Live-Near-Your-Work Program, the Reverse Equity Mortgage Program, and the Settlement Expense Loan Program.

Maryland Mortgage Program (More House 4 Less). This program originated in 1980 as the Mortgage Purchase Program and received its present name in July 1987. The Program was implemented when mortgage funds available through private lending institutions dwindled and mortgage rates rose. Designed primarily for first-time home buyers, the Program provides reduced-interest mortgage loans to eligible home buyers through participating lending institutions. In this program, the Administration provides mortgage loans directly to eligible low- and moderate-income persons, or purchases loans made for them by participating lending institutions. Both newly constructed and existing homes are eligible under the Maryland Mortgage Program. Federal law designates certain low-income areas as target areas for which 20 percent of the funds from bond issues must be set aside. In these areas, purchase price limits are slightly higher and buyers are not required to be first-time home buyers.

Using Maryland Mortgage Program funds, the Administration also provides commitments to developers of newly constructed or substantially rehabilitated units for set-asides of mortgage funds for eligible buyers. Projects must have approval from the local government entity. To be eligible, project units must meet the acquisition cost limit for the region.

The Maryland Mortgage Program is funded by the sale of tax-exempt revenue bonds. Both the acquisition cost and income limits are set by the Administration within federal tax law guidelines. Acquisition costs vary by region.

Maryland Home Financing Program. Authorized by the General Assembly in 1972, this program was first funded with the sale of State general obligation bonds in 1973. This direct-loan program expands home ownership opportunities for low-income Marylanders. By virtue of its funding source - General Fund appropriations, and a revolving fund from prior loans under the Program - it differs from the other single-family programs. Loans have been made in every county and Baltimore City (Code Housing & Community Development Article, secs. 4-801 through 4-816; Code Financial Institutions Article, sec. 13-310).

By providing below market loans targeted at households with annual income under $27,650, the Maryland Home Financing Program also stimulates the production and rehabilitation of owner-occupied housing. The Administration encourages local governments and nonprofit organizations to contribute local resources for developments funded through this program.

Live-Near-Your-Work Program. In July 1997, the Program was instituted. A partnership between the Department of Housing and Community Development, local governments, and Maryland's business community, the Program provides a cash incentive for employees to buy homes near their place of work in neighborhoods designated for revitalization (Code Housing & Community Development Article, sec. 4-215).

Reverse Equity Mortgage Program. Started by the General Assembly in 1986, this program was first funded in 1988 through reserve funds of the Community Development Administration. The Program enables older Maryland home owners to gain access to the accumulated equity in their homes without having to sell or move. No repayment of the loan is required until the eligible borrower dies, sells the house, or permanently moves out of the home.

Settlement Expense Loan Program. Begun by the General Assembly in 1988, the Program provides low interest loans for settlement expenses to eligible low- and moderate-income home buyers who do not have sufficient resources to purchase an affordable home (Code Housing & Community Development Article, secs. 4-301 through 4-309).

SPECIAL LOANS
In 1986, the General Assembly created special rehabilitation programs to address the housing needs of low-income households. With State general funds, these programs provide low-interest, no-interest or deferred loans for 20-year terms.

Accessory, Shared, and Sheltered Housing Program. This program provides loans to limited-income home owners for housing modifications that create accessory dwelling units or provide for shared housing. Home owners also may receive loans to modify housing as sheltered housing for up to fifteen senior citizens or persons with disabilities who meet income-eligibility requirements.

Group Home Financing Program. Authorized by the General Assembly in 1986 as the Group Home Acquisition Program, the Program received its present name in 1995. With special funds, the Program finances nonprofit organizations to acquire and modify housing for group homes and temporary and emergency shelters serving low-income persons.

Limited-income home owners and landlords of rental properties who rent to limited-income households may qualify for loans or grants under two programs. Loans and grants through the Lead Hazard Reduction Loan and Grant Program finance hazard reduction in residential buildings and buildings that provide services to children. The Indoor Plumbing Program provides loans to finance indoor plumbing and related systems in buildings that lack indoor plumbing or have failing plumbing systems.

Maryland Housing Rehabilitation Program - Single Family. This program preserves owner-occupied one- to four-unit dwellings by making low-interest loans for repair and renovation. Owner-occupants and tenants of rental properties must meet income guidelines set by the Secretary of Housing and Community Development. The Program is administered under the same funding as the Maryland Housing Rehabilitation Programs - Special Assets (Code Housing & Community Development Article, secs. 4-901 through 4-933).

Operating Assistance Grant Demonstration Projects. Started in April 1991, these projects promote the development and improvement of low-income housing and, through operating assistance grants, enable nonprofit organizations to provide it (COMAR Title 5, subtitle 11).

Special Housing Opportunities Program. The Program funds nonprofit organizations (Internal Revenue Code, sec. 501(c)(3)) and local development agencies to construct or acquire and modify housing as shelter for persons with special needs. Created in 1991, the Program complements the Group Home Financing Program and is funded by tax-exempt revenue bonds.

DIVISION OF NEIGHBORHOOD REVITALIZATION

In 1995, the Division of Neighborhood Revitalization started as the Office of Neighborhood Revitalization. It received its present name in 1996.

The Division provides technical assistance, as well as grants and loans, to local governments, small developers, and nonprofit organizations. This aid secures and preserves affordable housing, and provide community services to Marylanders of low and moderate income (Code Housing & Community Development Article, secs. 6-101 through 6-103).

Work of the Division is organized under five offices: Administration and Policy, Cummunity Access and Partnership, Community Development Programs, Community Services Programs, and State Revitalization Programs.

OFFICE OF ADMINISTRATION & POLICY

OFFICE OF COMMUNITY ACCESS & PARTNERSHIP
Within the Division of Neighborhood Revitalization, the Office of Community Access and Partnership first organized in 2003 as the Office of Regional Assistance. It reformed as the Office of Programs and Regional Development in 2006, and the Office of Community Programs in 2008. The Office reorganized in April 2015 as Office of Community Access and Partnership.

The Office of Community Access and Partnership is responsible for the Community Investment Tax Credit, the Endow Maryland Tax Credit, Keep Maryland Beautiful, Main Street Maryland, and certain operating assistance grants.

Community Investment Tax Credit Program. This program supports 501(c)(3) nonprofit organizations through allocations of State tax credits for use as incentives that encourage individuals and businesses to donate money, goods, or real property to support operational and programmatic costs associated with specific approved projects delivering services to communities across Maryland. Businesses and individuals that donate to a qualified organization's approval project can earn tax credits equal to 50% of the value of the money, goods or real property contribution. These tax credits are in addition to the charitable contribution deductions on both federal and State taxes.

Main Street Maryland. This is a comprehensive downtown revitalization program created in 1998 to strengthen the economic potential of Maryland's traditional main streets and neighborhoods. Using a competitive process, Main Street Maryland selects communities that have demonstrated a commitment to revitalization and redevelopment, and provide access to resources and expertise to improve the economy, appearance, and image of their traditional downtown business districts.

OFFICE OF COMMUNITY DEVELOPMENT PROGRAMS

Maryland Town Manager Circuit Rider Grant. The Grant enhances the management capacity of small town governments by providing grants which allow them to hire public management professionals. Small municipalities, counties, and regional governmental organizations form a consortium to sponsor a circuit and hire a professional administrator who serves, on a part-time basis, several towns in the same area and provides expertise in public administration, financial management, planning, and community development.

Strategic Demolition Fund. The Fund assists local governments and nonprofit community development organizations with revitalization and redevelopment by supporting: demolition of derelict structures; site acquisition and assembly to create redevelopment-sized parcels for solicitation or planned development; site development; and construction-level architectural and engineering designs. Projects must be located in one of Maryland's designated Sustainable Communities. Moreover, the Fund prioritizes those projects that will have the highest economic and revitalization impact.

Technical Assistance Grants Program. This program provides funding to nonprofit organizations, local governments, local development agencies, and local development corporations for advisory, consultative, training, information and other services to support community development. Eligible project costs include, but are not limitied to, those costs associated with consultants or services, a portion of general operating expenses, and other costs directly linked to community development.

COMMUNITY FOOD & NUTRITION PROGRAM
To alleviate hunger in Maryland, the Office also provides grants through this federal program to agencies that operate nutrition programs.

OFFICE OF COMMUNITY SERVICES PROGRAMS

HOMELESS INITIATIVES
Under the Department of Human Resources, Homeless Initiatives began in 1984 as the Homeless Services Program (Chapter 777, Acts of 1984). Services to end hunger and homelessness in Maryland in 1997 became the responsibility of the Office of Transitional Services, under the Department's Community Services Administration. In April 2008, the Office of Transitional Services was replaced by the Office of Grants Management. Through the Shelter, Nutrition, and Service Program, services for the homeless continued to be administered by that office until July 2012. At that time, the Office of Grants Management was renamed the Bureau of Grants Management and transferred to the Family Investment Administration. In May 2014, the Bureau of Grants Management reorganized into two bureaus: Homeless Services, and Special Grants. In July 2017, the Bureau of Homeless Services transferred from the Department of Human Resources to the Division of Neighborhood Revitalization in the Department of Housing and Community Development (Chapter 105, Acts of 2017). Shortly after that move, the Bureau was renamed Homeless Initiatives.

Coordinating statewide efforts to reduce the number of homeless persons in Maryland, Homeless Initiatives administers grants to homeless services providers. It also provides staff support to the Interagency Council on Homelessness.

Emergency Shelter Grant Program. For local governments and community action agencies, this program provides federal funds to support emergency and transitional homeless shelters and services for persons without housing.

STATE REVITALIZATION PROGRAMS
The Office of Revitalization Resources is responsible for the Baltimore Regional Neighborhood Initiative; Community Legacy; Interagency Coordination; Maryland Storefront Improvement Program; Project Creating Opportunities for Renewal and Enterprise; Strategic Demolition Fund; and Sustainable Communities.

BALTIMORE REGIONAL NEIGHBORHOOD INITIATIVE
The Initiative assists community development organizations with approved strategic neighborhood revitalization plans for projects located in Sustainable Communities in Baltimore City and the inner beltway area of Baltimore County and Anne Arundel County.

COMMUNITY LEGACY PROGRAM
Meant to complement existing programs, the Community Legacy Program funds comprehensive revitalization projects in communities that can demonstrate both evidence of decline and signs of strength. Sponsors, such as a local government, a group of local governments, or a community development organization, apply to the Department of Housing and Community Development for financial assistance. Applications include a comprehensive revitalization plan designed to meet the needs and resources of the community to be revitalized (Code Housing & Community Development Article, secs. 6-201 through 6-213).

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