HOMEOWNERSHIP
   

The Housing Authority of St. Mary's County, Maryland offers several programs and references to assist families with achieving and maintaining affordable homeownership. They include:

• Homeownership conversion communities
• Homeownership Voucher Program
• Homeownership Opportunities Revolving Loan Fund (HORLF)
• Home (and Homeownership) Management Course
• Assistance in seeking financing using the Maryland Mortgage Program (MMP) through the Maryland Department of Housing and Community Development
• Home repair loans funded through DHCD

HOMEOWNERSHIP SERVICES

Housing Counseling Services
Homeownership Conversion Communities with Rent to Own options
Housing Voucher Homeownership Program
Local Home Loan Assistance Program

• USDA Rural Development Program
• Maryland Homeownership for Elderly and Individuals with Disabilities Program
• Maryland First Time Homebuyer Mortgage Program
   

REHABILITATION LOAN PROGRAMS

The Housing Authority of St. Mary’s County, Maryland programs include:

• Maryland Housing Rehabilitation Program Single Family (MHRP-SF)

• Indoor Plumbing Program (IPP)

• Lead Hazard Reduction Grant and Loan Program (LHRGLP)-(state)

• Special Targeted Applicant Rehabilitation Program (STAR)

• Home Revolving Loan Fund Program (HRLF)

• Sewer Connection Revolving Fund Program (SCRLF)

• Essential Home Repair Program (EHR)

The Special Loan Programs (MHRP-SF, IPP, LHRGLP & STAR) are part of the Community Development Administration (CDA), an agency in the Division of Development Finance of the Maryland Department of Housing and Community Development (DHCD). These loan programs are available through the Housing Authority of St. Mary's County (HASMC).

These home repair loan programs help citizens who meet the program requirements, make necessary repairs to their homes such as: public sewer connections, replacement or installation of wells, septic systems, roofs, windows, doors, electric service, closing costs, and accessibility concerns. Loan funds are also available to property owners who rent to income eligible tenants.

Interest rates vary from 0-7% and monthly payments and terms vary based on income and affordability. Applicants must be credit worthy. There is no minimum income limit. Annual maximum income limits are based on the number of persons living in the household and range from $41,700 for a family of one (1) to $78,650 for a family of eight (8).

Housing Authority of St. Mary's County
21155 Lexwood Drive, Suite C.
Lexington Park, MD 20653

For applications or more information contact Sandra Johnson at 301 866-6590 x1433 or sandra.johnson@co.saint-marys.md.us .