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Get Ready

Becoming a homeowner requires a lot of preparation. And that's why we require all of our borrowers to attend a homebuyers workshop. There's a minimal charge and the information is priceless. Find a location in your area.

 

Note: If a borrower is requesting assistance through the Downpayment and Settlement Expense Loan Program (DSELP) and/or assistance through a Partner Match Program, certain jurisdictions have special counseling requirements. Refer to the bottom of this page for those requirements.

WESTERN MARYLAND (Allegany, Frederick, Garrett and Washington counties)

«Garrett County Community Action Committee, Inc.
104 E. Center Street
Oakland, MD 21550
301-334-9431
«Hagerstown Home Store
21 East Franklin Street
Hagerstown, MD 21740
301-797-0900
Interfaith Housing Alliance, Inc.
731 N. Market Street
Frederick MD 21701
800-836-6088
«Cumberland Neighborhood Housing Services, Inc.
400 N. Mechanic Street
Cumberland MD 21502
301-722-6958
«Washington County Community Action Council, Inc. 101 Summit Avenue
Hagerstown, MD 21740
301-797-4161
«Frederick Community Action Agency
100 S. Market Street
Frederick, MD 21701
301-600-1506
(Frederick County residents only)

SOUTHERN MARYLAND (Calvert, Charles and St. Mary’s counties)

«Southern Maryland Tri-County Comm. Action Committee, Inc.
8371 Leonardtown Road
Hughesville, MD 20637
301-274-4474 ext. 262
 

GREATER WASHINGTON (Montgomery and Prince George’s counties)

«Centers for Financial Education
15847 Crabbs Branch Way
Rockville, MD 20855
800-747-4222
«Kairos Development Corp.
5601 Old Branch Avenue
Camp Springs, MD 20746
301-899-0046
Greater Washington Urban League
5012 Rhode Island Avenue
Suite 103
Hyattsville, MD 20781
301-985-3519
«Roots of Mankind Corp.
4273 Branch Avenue
Suite 205
Temple Hills, MD 20748
301-899-6800
Housing & Community Initiatives, Inc.
444 N. Frederick Avenue, Suite 305
Gaithersburg, MD 20877
301-590-2765
«Sowing Empowerment and Economic Dev., Inc. (SEED)
6201 Riverdale Road, #200
Riverdale, MD 20737
301-458-9808
«Housing Initiative Partnership, Inc.
6525 Belcrest Road, Suite 555
Hyattsville, MD 20782
301-985-5048
(South American Spanish)

EASTERN SHORE(Caroline, Cecil, Dorchester, Kent, Queen Anne’s, Somerset, Talbot, Wicomico and Worcester  counties)

«Cecil County Housing Agency
5 Brown Court
Elkton, MD 21921
410-996-5246
«Neighborhood Housing Services 513 Camden Avenue
Salisbury, MD 21801
410-543-4626
Delmarva Community Services, Inc.
25 High Street
Cambridge, Md 21613
410-221-1900
«Shore Up! Inc.
PO Box 430
Salisbury, MD 21801
410-749-1142 ext. 307
«The Maryland Rural Development Corp.
PO Box 739
Greensboro, MD 21629
410-479-1063 ext. 12 (French)
Talbot County Dept. of Housing 11 N. Washington Street
Easton, MD 21601
410-770-6821

CENTRAL MARYLAND (Anne Arundel, Carroll, Harford and Howard counties)

«Anne Arundel County Economic Opportunity Committee
251 West Street
Annapolis, MD 21401-1951
410-626-1900 ext. 1004
(South American Spanish)
«Harford County Housing Agency
15 So Main Street, Suite 106
Bel Air, MD 21014
410-638-3045
(South American Spanish)
«Arundel Community Development Services, Inc.
2666 Riva Road, Suite 210
Annapolis, MD 21401
410-222-7608
(South American Spanish)
«uHome Partnership, Inc.
626 Towne Center Drive Suite 301
Joppatowne, MD 21085
410-679-3200
City of Westminster Office of Housing and Community Development
56 West Main Street
Westminster, MD 21157
410-848-2261
(Westminster residents only)
Howard County Office of Housing and Community Development
6751 Columbia Gateway Drive
Columbia, MD 21046
410-313-6318

GREATER BALTIMORE (Baltimore County and Baltimore City)

«Acorn Housing Corp.
16 W. 25th Street
Baltimore, MD 21218
410-243-9790
«uHome Partnership, Inc.
Rumsey Towers Bldg.
626 Towne Center Drive, Suite 301
Joppatowne, MD 21085
410-679-3200
«Greater Baltimore Urban League
512 Orchard Street
Baltimore, MD 21201
410-523-8150 ext. 221
Making Choices for Independent Living, Inc.
3011 Montebello Terrace
Baltimore, MD 21214
410-444-1400
(For disabled borrowers only)
Belair-Edison Neighborhoods, Inc.
3412 Belair Road
Baltimore, MD 21213
410-485-8422
«Neighborhood Housing Services of Baltimore, Inc.
819 Park Avenue
Baltimore, MD 21201
410-327-1200
Comprehensive Housing Assistance, Inc.
5721 Park Heights Avenue
Baltimore, MD 21215
410-466-1990 ext. 0
«uNeighborhood Housing Services (Greater Hillendale)
1055 Taylor Avenue, Suite 100A
Towson, MD 21286
410-769-8820
«The Development Corp. of Northwest Baltimore
3521 W. Belvedere Avenue
Baltimore, MD 21215
410-578- 7190 ext. 0
«Southeast CDC
3700 Eastern Avenue
Baltimore, MD 21224
410-342-3234 ext. 24
(South American Spanish)
uDiversified Housing Development
8311 Liberty Road
Baltimore, MD 21244
410-496-1214
«St. Ambrose Housing Aid Center
321 East 25th Street
Baltimore, MD 21218
410-366-8550 ext. 221
«Druid Heights CDC
2140 McCulloh Street
Baltimore, MD 21217
410-523-1350
«Tri-Churches Housing
815 Scott Street
Baltimore, MD 21230
410-385-1463
uEastside Community Development Corporation, Inc.
Atrium Offices at Eastpoint Mall, 7835 Eastern Avenue, Suite 302
Baltimore, MD 21224
410-284-9861
uWe Are Family Community Development
8611 Church Lane
Randallstown, MD 21133
410-922-9623
«Garwyn Oaks Housing Resource Center
2300 Garrison Blvd., Suite 270
Baltimore, MD 21216
410-947-0084
«uHarbel Housing Partnership Program
5807 Harford Road
Baltimore, MD 21214
410-444-9152
«Harlem Park Revitalization Corporation
1017 Edmonson Avenue
Baltimore, MD 21223
410-728-5086

«HUD approved housing counseling agency as of 6/12/06.

uThis counseling agency must be used if borrower is requesting a DSELP loan and/or assistance through a Partner Match Program on a property located in Baltimore County.



Note: If a borrower is requesting assistance through the Downpayment and Settlement Expense Loan Program (DSELP) and/or assistance through a Partner Match Program, the jurisdictions listed below have special counseling requirements.
ANNE ARUNDEL COUNTY
(Does not include City of Annapolis)
  • Counseling must be provide by a HUD-approved housing counseling agency.

  • The borrower must graduate from a homebuyer counseling program that includes at least eight hours of education on credit, budget, savings, the settlement process and mortgage products.

  • If the borrower’s credit score is 619 or below, the borrower must:
    • also participate in one or more individual counseling sessions (to include a review of the borrower’s credit history).

    • complete the required counseling and obtain a certificate before entering into a contract of sale to purchase a home.

BALTIMORE CITY
  • Any prospective home buyer purchasing a home In Baltimore City and receiving funds from a Baltimore City program must complete homeownership counseling and obtain a counseling certificate before entering into a contract of sale to purchase a home.

BALTIMORE COUNTY
  • Counseling must be received from one of the following counseling agencies:
    • Diversified Housing Development

    • Eastside Community Development Corporation, Inc.

    • Harbel Housing Partnership Program

    • Home Partnership, Inc.

    • We Are Family Community Development

Workshop and individual counseling must be completed and a counseling certificate received before the borrower enters into a contract of sale to purchase a home.
HARFORD COUNTY
  • Homebuyer education may be in the form of a face-to-face tutorial, classroom or workshop session conducted by a HUD-approved housing counseling agency or by a lender that uses the services of a mortgage insurer with an established education/counseling program