Dealing with a home in need of repairs can be overwhelming. Fortunately, there are ways you can get help with your home improvement projects in Maryland. This article discusses the available home repair programs that provide financial and home improvement assistance to eligible homeowners. Keep reading for more.
Maryland Department of Housing and Community Development
The Department of Housing and Community Development provides programs designed to help with home improvements and repairs. The goal of these programs is to improve the comfort, accessibility, and b livability of the low-income homeowners in Maryland. The programs include:
Maryland Housing Rehabilitation Program
The purpose of the Maryland Housing Rehabilitation Program is to provide homeowners with funding to help bring their homes to desirable building codes and standards. The seniors, single mothers, disabled, and veterans can apply for this program. Find out more at https://dhcd.maryland.gov/Residents/Pages/mhrp-sf/default.aspx.
Indoor Plumbing Program
The purpose of this program is to provide financing to single-family homes and rental properties to enable them to have their indoor plumbing repaired. Read more at https://dhcd.maryland.gov/Residents/Pages/ipp/default.aspx.
Special Targeted Applicant Rehabilitation Program
This program targets low-income families to help bring their properties to the acceptable building codes and standards. Visit https://dhcd.maryland.gov/Residents/Pages/starp/default.aspx to learn more about the program.
Lead Hazard Reduction Grant and Loan Program
The goal of this program is to help property and homeowners reduce the risk of lead poisoning and eliminate lead paint from homes. Find out more at https://dhcd.maryland.gov/Residents/Pages/lhrglp/default.aspx.
USDA Home Repair Program
This program provides financial assistance in form of loans to low-income families for repair, improvement, and home modernization. The program also provides grants to senior homeowners to help them remove the safety and health hazards from their homes. To qualify for the program assistance, you must occupy the house and used it as your primary residence, meet low-income limits, and provide proof of homeownership. Grants are given to senior homeowners aged 62 and above. You must prove that you are unable to obtain credit anywhere else. Loans are given at 1% and families have up to 20 years to repay the funds. You can receive up to a $20,000 loan and a maximum of $7,500. Families are allowed to apply for a combination of loans and grants for up to $27,500. Grants are only repaid when the homeowners transfer the ownership or sell the property to someone else. Your local Rural Development Office will accept applications in your area. Visit https://www.rd.usda.gov/contact-us/state-offices to contact your local RD office. The program assistance approval depends on the availability of funds in your area. You can reach out to the USDA specialist in your area to help with the process of application. Visit http://www.rd.usda.gov/programs-services/single-family-housing-repair-loans-grants for more information.
Habitat for Humanity Metro Maryland (HFHMM)
HFHMM is a program committed to identifying and addressing repairs related to the safety and health of low-income homeowners. The goal of the program is to provide an accessible, safe, and healthy environment for Maryland homeowners to the disabled, low-income, single moms, and veterans. The program receives funding from different sources and they have specified rules of how they put the money into use. The program can therefore not provide any specific timelines on when the funds will be available for home repair assistance. The program contacts eligible low-income homeowners when funds are available to help with home repair. You must be willing to put in place sweat equity and help other homeowners in need of assistance. Eligible home repair services include roof repair, porch, water heater, plumbing, electrical work, accessible bathrooms, drywall, foundation, windows, and doors repair. Please note that Habitat for Humanity is not emergency-based. Seek other home repair resources if your needs are urgent and pose an imminent danger to your loved ones. HFHMM strives to meet the home repair needs of as many families as possible. Read more at https://habitatmm.org/how-to-apply/home-repair-services-for-homeowners/home-repair-program.html.
Rockville’s Single-Family Rehabilitation Program
The program provides forgivable loans to make the necessary home improvements. The program does not provide direct funding to eligible homeowners. Instead, the support is given in form of home improvements. Home repair eligible includes roofing, electrical upgrades, furnace replacement, plumbing, and kitchen and bathroom improvement. The City of Rockville gives priority to low-income, single mothers, veterans, disabled, and senior homeowners who meet the requirements. Applicants are prioritized according to the severity of their home repair needs. In addition to meeting the income limits to qualify for the program assistance, other eligibility criteria are applied. The home must be your primary residence and not have a different home elsewhere. You must not owe debts exceeding the value of your home. The number of your assets cannot exceed $150,000. Your homeownership must have been verified through tax records and deeds and be up to date with the state and local property taxes. Find out more at https://www.rockvillemd.gov/196/Home-Repair-Loan-Assistance.
Maryland Home Energy Loan Program
This program is administered by the Maryland Energy Administration. It provides up to $20,000 loans at a 9.99% interest rate to homeowners in Maryland. The funds are used to improve energy efficiency at homes by making the necessary upgrades. Read more at http://www.mcecloans.com/apply-now/.