{"status":200,"message":"Success","data":{"id":"66a79adc-1e12-58be-b005-5a32f43bf0ab","title":"Maryland Housing Rehabilitation Program (MHRP) / Special Targeted Applicant Rehabilitation (STAR) Program / Maryland WholeHome Program","description":"The Maryland Housing Rehabilitation Program (MHRP), also known as the WholeHome Program, provides affordable rehabilitation loans and grants for single-family, owner-occupied homes and one-to-four unit rental properties across Maryland. Administered statewide by the Maryland Department of Housing and Community Development (DHCD), the program is also delivered locally through entities such as Baltimore County, the City of Hagerstown Department of Housing & Community Development, Frederick County Housing, and other county and municipal partners. The program helps income-eligible homeowners and small landlords make repairs and energy efficiency improvements to lower utility bills, improve quality of life, correct code deficiencies, address health and safety violations, accommodate persons with disabilities, and remove lead-based paint hazards. Eligible residents must meet low-to-moderate income guidelines (generally at or below 80% of area median income). Covered repairs include mold remediation, gas leak repair, roof repair/replacement, asbestos abatement, lead abatement, electrical hazard removal, plumbing, septic and sewer, structural repair, accessibility improvements, energy conservation, pest treatments, elimination of lead-based paint hazards, heating and cooling system repair or replacement, insulation, energy-efficient appliances, air quality improvements, lighting retrofits, and HVAC upgrades. Loans are low-interest (0%–6% based on ability to repay, with a maximum of 4% under the WholeHome branding), up to $50,000, with terms up to 30 years, and secured by a Deed of Trust. Deferred payment options are available for households at or below 50% of median income; in exceptional cases, borrowers up to 80% of median income may qualify. If accessibility improvements are included, that portion of the loan may be deferred even if the borrower does not otherwise qualify for full deferral. Secured debt including the loan may not exceed 110% of the after-rehabilitation property value. The program is also available to homeowners who do not meet the age or other eligibility requirements of the Accessible Homes for Seniors program. Landlords with 1–4 unit properties may apply, though landlords are not eligible for deferred loans and their loans may carry a higher interest rate and possibly a shorter term. The STAR Program component provides additional loan funding for lower-income homeowners in participating Maryland counties, offering deferred repayment terms and higher loan-to-value limits (up to 125% of property value) for eligible applicants with a minimum 5-year residency requirement. The Maryland WholeHome Program component offers low-interest loans (up to 4% interest, potentially 0%) and grants specifically targeting energy efficiency improvements, health and safety repairs, and accessibility upgrades, with no application fee and possible deferred payments. In Frederick County, the program is administered by Frederick County Housing and includes multiple tracks: Emergency Rehab Loan Program, Accessible Homes for Seniors Program, Indoor Plumbing Program (IPP), Lead Hazard Reduction Grant Loan Program (LHRGLP), MHRP, and STAR. Zero-interest deferred loans up to $15,000 are available for emergency home repairs in Frederick County. In Baltimore County, the program is administered locally by the Baltimore County Department of Housing (410-887-3124). In Somerset County, local home repair loan and grant assistance is available. The Town of Easton in Talbot County also administers a local Special Loan Program. In Montgomery County, local contacts are available through the county office. In Washington County, residents may contact the local office at 301-797-4161. In Hagerstown, the program is administered by the City of Hagerstown Department of Housing & Community Development (301-739-8577).","status":{"value":"open"},"source":"https://dhcd.maryland.gov/energy-home-repair/homeowner-repair-loans-grants/housing-rehabilitation","funding":{"details":"Standard MHRP: Loans up to $50,000 with interest rates ranging from 0% to 6% based on the applicant's ability to pay, with loan terms up to 30 years (maximum 20 years in some county implementations, up to 30 years through the Hagerstown local program), secured by a Deed of Trust. Deferred payment options may be available for households at or below 50% of the statewide or Washington D.C. MSA median income; in exceptional cases, borrowers up to 80% of median income may qualify. If accessibility improvements are included, that portion of the loan may be deferred even if the borrower does not otherwise qualify for full deferral. Secured debt including this loan may not exceed 110% of the after-rehabilitation property value. For amortizing MHRP loans only, up to 40% of the loan may be used for general property improvements. Landlords with 1–4 units may also apply at higher interest rates and possibly shorter terms; landlords are not eligible for deferred loans. Administrative fees and closing and recording costs may be included in the loan. Loan must be repaid upon sale or when owner stops occupying the property. STAR Program (participating counties only): Deferred repayment loans with interest rates of 0–6% based on income and affordability. Maximum loan amount is up to 125% of the property value. Loans are secured by a Deed of Trust and repayment is deferred until the property is sold, transferred, or refinanced. No repayment required until the property is sold, transferred, or refinanced. In Anne Arundel County, only the City of Annapolis is eligible for the STAR Program. WholeHome Program: Low-interest loans (maximum 4%, may be as low as 0%) and grants for energy efficiency improvements, health and safety repairs, and accessibility upgrades. No application fee; payments may be deferred. Loan and grant amounts based on work needed, household income, and ability to repay. In Frederick County, zero-interest deferred loans up to $15,000 are available for emergency home repairs; loans over $5,000 or with deferred payments are secured by a mortgage. In Baltimore County, home repair loan assistance is administered locally through Baltimore County (410-887-3124). In Hagerstown, loans up to $50,000 are available with terms up to 30 years. All loans are originated, packaged, and closed by local administering agencies. No application fee.","maxAwardAmount":{"amount":"50000.00","currency":"USD"}},"acceptedApplicantTypes":[{"value":"individual"},{"value":"custom","customValue":"for-profit"},{"value":"custom","customValue":"non-profit"}],"customFields":{"agency":{"name":"agency","fieldType":"object","value":{"name":"Maryland Department of Housing and Community Development"},"schema":"https://commongrants.org/custom-fields/agency"},"contactInfo":{"name":"contactInfo","fieldType":"object","value":{"name":"Special Loan Programs","email":"DHCD.SpecialLoans@maryland.gov, DHCD.SLP_documentation@maryland.gov","phone":"301-429-7409"},"schema":"https://commongrants.org/custom-fields/contactInfo"},"additionalInfo":{"name":"additionalInfo","fieldType":"object","value":{"url":"https://compass.maryland.gov/incentives/#/incentive/maryland-housing-rehabilitation-program","description":"Maryland Community Compass record"},"schema":"https://commongrants.org/custom-fields/additionalInfo"},"eligibilityCriteria":{"name":"eligibilityCriteria","fieldType":"object","value":{"beneficiaryTypes":[{"code":"individuals","name":"individuals"},{"code":"for_profit","name":"for-profit"},{"code":"non_profit","name":"non-profit"}],"details":"Low- and moderate-income Maryland homeowners and landlords/tenants of one-to-four unit rental properties needing critical health, safety, code-compliance, energy efficiency, or accessibility repairs. Also available to homeowners who do not qualify for the Accessible Homes for Seniors program. Owner-occupants of single-family homes with household income at or below 80% of the statewide or Washington D.C. MSA median income, adjusted by family size. The STAR Program is available to lower-income homeowners in participating counties with a minimum 5-year residency in the property. The WholeHome Program is available to Maryland homeowners seeking energy efficiency improvements, accessibility upgrades, or health and safety repairs. In Baltimore County, income-eligible homeowners and owners of multi-family properties with up to four rental units (contact 410-887-3124). In Frederick County, low-income homeowners and rental property sponsors needing emergency or rehabilitation home repairs (contact Ted Helmick, 301-600-3531). In Somerset County, homeowners may contact the local office at 410-651-1424. In the Town of Easton, homeowners seeking home repair assistance are eligible. In Montgomery County, homeowners may contact the local office at 240-777-3600. In Washington County, homeowners may contact the local office at 301-797-4161. In Hagerstown, income-eligible owner-occupants and owners of one-to-four unit rental properties within the City of Hagerstown.\n\nAvailable statewide in Maryland through a network of local administering agencies, including county housing offices and nonprofits. The STAR Program is available in participating counties: Allegany, Anne Arundel (City of Annapolis only), Calvert, Caroline, Carroll, Cecil, Charles, Dorchester, Frederick, Garrett, Kent, Queen Anne's, St. Mary's, Somerset, Talbot, Washington, Wicomico, and Worcester. Local contacts available through county and municipal partners including Frederick County Housing (Ted Helmick, 301-600-3531), Somerset County (410-651-1424), the Town of Easton (Talbot County, 410-822-5358), Montgomery County (240-777-3600), Washington County (301-797-4161), and Baltimore County (410-887-3124). In Hagerstown, administered by the City of Hagerstown Department of Housing & Community Development (14 N. Potomac St., Suite 200A, Hagerstown, MD 21740; 301-739-8577 ext. 134 or ext. 103). In Frederick County, income limits are based on the Washington, D.C. Metropolitan Statistical Area (MSA) median income."},"schema":"https://md.api.cg.a6lab.ai/docs"},"attachments":{"name":"attachments","fieldType":"array","value":[{"downloadUrl":"https://dhcd.maryland.gov/media/709","name":"709"},{"downloadUrl":"https://dhcd.maryland.gov/media/587","name":"587"},{"downloadUrl":"https://dhcd.maryland.gov/media/694","name":"694"},{"downloadUrl":"https://dhcd.maryland.gov/media/705","name":"705"},{"downloadUrl":"https://dhcd.maryland.gov/media/716","name":"716"},{"downloadUrl":"https://dhcd.maryland.gov/media/579","name":"579"},{"downloadUrl":"https://dhcd.maryland.gov/media/979","name":"979"},{"downloadUrl":"https://www.frederickcountymd.gov/DocumentView.aspx?DID=20002","name":"DocumentView.aspx"},{"downloadUrl":"https://www.frederickcountymd.gov/DocumentCenter/View/262732","name":"262732"},{"downloadUrl":"https://www.frederickcountymd.gov/DocumentCenter/View/263761","name":"263761"},{"downloadUrl":"https://www.frederickcountymd.gov/DocumentCenter/View/263172/Emergency-Rehabilitation-Assistance-Application-","name":"Emergency-Rehabilitation-Assistance-Application-"},{"downloadUrl":"https://www.annapolis.gov/DocumentCenter/View/26609","name":"26609"},{"downloadUrl":"https://dhcd.maryland.gov/Energy-Home-Repair/Documents/mhrp-sf_application.pdf","name":"mhrp-sf_application.pdf"}],"schema":"https://md.api.cg.a6lab.ai/docs"},"fundingSource":{"name":"fundingSource","fieldType":"string","value":"Public","schema":"https://md.api.cg.a6lab.ai/docs"},"fundingInstrument":{"name":"fundingInstrument","fieldType":"string","value":"loan; grant","schema":"https://md.api.cg.a6lab.ai/docs"},"lastSyncedAt":{"name":"lastSyncedAt","fieldType":"string","value":"2026-10-17T08:01:04.484Z","schema":"https://md.api.cg.a6lab.ai/docs"},"mdCompassId":{"name":"mdCompassId","fieldType":"number","value":2981,"schema":"https://md.api.cg.a6lab.ai/docs"},"mdSlug":{"name":"mdSlug","fieldType":"string","value":"maryland-housing-rehabilitation-program","schema":"https://md.api.cg.a6lab.ai/docs"},"mdDataQuality":{"name":"mdDataQuality","fieldType":"string","value":"high","schema":"https://md.api.cg.a6lab.ai/docs"},"mdGeographicScope":{"name":"mdGeographicScope","fieldType":"string","value":"statewide","schema":"https://md.api.cg.a6lab.ai/docs"},"mdAcceptingApplications":{"name":"mdAcceptingApplications","fieldType":"boolean","value":true,"schema":"https://md.api.cg.a6lab.ai/docs"},"mdRecurring":{"name":"mdRecurring","fieldType":"boolean","value":true,"schema":"https://md.api.cg.a6lab.ai/docs"},"mdAssistanceTypes":{"name":"mdAssistanceTypes","fieldType":"array","value":["loan","grant"],"schema":"https://md.api.cg.a6lab.ai/docs"},"mdEligibleIndustries":{"name":"mdEligibleIndustries","fieldType":"array","value":["Real Estate and Rental and Leasing"],"schema":"https://md.api.cg.a6lab.ai/docs"},"mdEligibleCounties":{"name":"mdEligibleCounties","fieldType":"array","value":["All"],"schema":"https://md.api.cg.a6lab.ai/docs"},"mdEligibleOrganizationTypes":{"name":"mdEligibleOrganizationTypes","fieldType":"array","value":["individuals","for-profit","non-profit"],"schema":"https://md.api.cg.a6lab.ai/docs"},"mdBusinessStage":{"name":"mdBusinessStage","fieldType":"string","value":"any","schema":"https://md.api.cg.a6lab.ai/docs"},"mdApplicationDeadlineRaw":{"name":"mdApplicationDeadlineRaw","fieldType":"string","value":"Open (no stated deadline)","schema":"https://md.api.cg.a6lab.ai/docs"},"mdApplicationProcess":{"name":"mdApplicationProcess","fieldType":"string","value":"Contact your local housing office or the DHCD Special Loan Programs team by phone at 301-429-7409 or toll-free 1-877-218-8101, or by email at DHCD.SpecialLoans@maryland.gov. Submit documentation to DHCD.SLP_documentation@maryland.gov or by mail to DHCD Special Loan Programs, 7800 Harkins Road 3rd Floor, Lanham, MD 20706. You may also call toll-free 1-844-369-4150 for home repair improvements or 1-855-583-8976 for energy efficiency improvements. Download and submit the program application along with supporting documents by email or mail. Provide a work proposal and photos from a licensed contractor documenting the issues requiring repair. For WholeHome Program: complete the Maryland Home Rehabilitation Program Application. In Baltimore County, contact the Baltimore County Department of Housing at 410-887-3124 to schedule an appointment to file an application. In Frederick County, download the homeowner application or sponsor application for rental housing from the DHCD website or the Frederick County website and submit to the Frederick County Division of Housing, or contact Frederick County Housing (Ted Helmick, 301-600-3531). In Somerset County, contact the local office at 410-651-1424. In the Town of Easton, contact the Town at 410-822-5358. In Montgomery County, contact the local office at 240-777-3600. In Washington County, contact the local office at 301-797-4161. In Hagerstown, contact the Department of Housing & Community Development at 301-739-8577 ext. 134 or ext. 103, download and complete the Homeowner Application, and submit to 14 N. Potomac St., Suite 200A, Hagerstown, MD 21740. You may also contact the local Area Office on Aging or DHCD for additional information on applying. DHCD recommends starting with a free, in-home comprehensive assessment to identify needed improvements and enroll in appropriate programs.","schema":"https://md.api.cg.a6lab.ai/docs"},"mdProgramAudience":{"name":"mdProgramAudience","fieldType":"string","value":"Low- and moderate-income Maryland homeowners and landlords/tenants of one-to-four unit rental properties needing critical health, safety, code-compliance, energy efficiency, or accessibility repairs. Also available to homeowners who do not qualify for the Accessible Homes for Seniors program. Owner-occupants of single-family homes with household income at or below 80% of the statewide or Washington D.C. MSA median income, adjusted by family size. The STAR Program is available to lower-income homeowners in participating counties with a minimum 5-year residency in the property. The WholeHome Program is available to Maryland homeowners seeking energy efficiency improvements, accessibility upgrades, or health and safety repairs. In Baltimore County, income-eligible homeowners and owners of multi-family properties with up to four rental units (contact 410-887-3124). In Frederick County, low-income homeowners and rental property sponsors needing emergency or rehabilitation home repairs (contact Ted Helmick, 301-600-3531). In Somerset County, homeowners may contact the local office at 410-651-1424. In the Town of Easton, homeowners seeking home repair assistance are eligible. In Montgomery County, homeowners may contact the local office at 240-777-3600. In Washington County, homeowners may contact the local office at 301-797-4161. In Hagerstown, income-eligible owner-occupants and owners of one-to-four unit rental properties within the City of Hagerstown.","schema":"https://md.api.cg.a6lab.ai/docs"},"mdUseOfFunds":{"name":"mdUseOfFunds","fieldType":"string","value":"Bringing properties up to applicable building codes — including mold remediation, gas leak repair, roof repair/replacement (including gutters), asbestos abatement, vermiculite removal, lead abatement, electrical hazard removal (knob and tube removal, service upgrades, electrical upgrades for future home electrification up to 200A), plumbing, septic and sewer, structural repair (atrophy, rot, insect, settling, storm-related), accessibility improvements for disabled and seniors (chair lifts, handicap ramps, bars, railings, doors), fall and injury prevention (handrails, rubber treads, bathroom grab bars), energy conservation, pest treatments (rats, roaches, mice), elimination of lead-based paint hazards, energy-efficient appliances, heating and cooling system repair or replacement (including combustion appliance repair/replacement for health and safety), insulation, air quality improvements, lighting retrofits, HVAC upgrades, ductwork upgrades and installations, building shell stabilization, radon mitigation, foundation and sub-space waterproofing and drainage (bulk water mitigation by drain tile, sump), windows and doors (health & safety, water intrusion, and security only), chimney repair, water/well/septic, and repair/replacement of critical infrastructure beyond life expectancy. For MHRP amortizing loans only, up to 40% of the loan may be used for general property improvements. In Frederick County, Somerset County, and the Town of Easton, funds may be used for emergency home repairs. In Montgomery County, funds may be used for home repair and energy improvements. In Washington County, funds may be used for home repair.","schema":"https://md.api.cg.a6lab.ai/docs"},"mdGeographicEligibility":{"name":"mdGeographicEligibility","fieldType":"string","value":"Available statewide in Maryland through a network of local administering agencies, including county housing offices and nonprofits. The STAR Program is available in participating counties: Allegany, Anne Arundel (City of Annapolis only), Calvert, Caroline, Carroll, Cecil, Charles, Dorchester, Frederick, Garrett, Kent, Queen Anne's, St. Mary's, Somerset, Talbot, Washington, Wicomico, and Worcester. Local contacts available through county and municipal partners including Frederick County Housing (Ted Helmick, 301-600-3531), Somerset County (410-651-1424), the Town of Easton (Talbot County, 410-822-5358), Montgomery County (240-777-3600), Washington County (301-797-4161), and Baltimore County (410-887-3124). In Hagerstown, administered by the City of Hagerstown Department of Housing & Community Development (14 N. Potomac St., Suite 200A, Hagerstown, MD 21740; 301-739-8577 ext. 134 or ext. 103). In Frederick County, income limits are based on the Washington, D.C. Metropolitan Statistical Area (MSA) median income.","schema":"https://md.api.cg.a6lab.ai/docs"},"mdRequirements":{"name":"mdRequirements","fieldType":"array","value":["Property must be an owner-occupied single-family dwelling or a multi-family property with up to four rental units","Must own and occupy the property as primary residence (owner-occupants must occupy the home as their permanent, year-round residence)","Total household income must be at or below 80% of the statewide or Washington D.C. MSA median income, adjusted by family size","All residents of rental housing must have income at or below 80% of the Washington, D.C. MSA median income","Borrower must have a satisfactory credit rating","All persons listed on the Deed must agree to loan terms and sign closing documents","Mortgage and property tax payments must be current","Title to the property must be clear of liens and judgments","Property must be insured to cover all indebtedness","Repairs must be made by a licensed, insured contractor","Must provide a work proposal from a licensed and insured Maryland Home Improvement contractor or trade professional","Contractor must provide MHIC or trade license (Electrical, Plumbing, HVAC, etc.)","Contractor must provide Certificate of Liability Insurance (COI) — current, with per occurrence limits equal to or greater than $1 million","Contractor must provide Letter of Good Standing (verified via https://egov.maryland.gov/BusinessExpress/EntitySearch)","Contractor must provide completed and signed W-9 (address on form is where payments will be sent)","Loan terms based on borrower's ability to repay; landlords with 1–4 units may apply at higher interest rates and possibly shorter terms","Landlords are not eligible for deferred loans","Secured debt including the MHRP loan may not exceed 110% of the after-rehabilitation property value","Income below 50% of Washington D.C. MSA median income required for deferred payment loans; in exceptional cases, households up to 80% of median may qualify","STAR Program only: Minimum 5-year residency in the property","STAR Program only: Total household income cannot exceed 80% of HUD Income and Rent Limits","STAR Program only: Available in participating counties only (Anne Arundel County restricted to City of Annapolis)","WholeHome Program: Must be a Maryland homeowner; eligibility and assistance amounts based on household income and ability to repay","In Frederick County, loans over $5,000 or with deferred payments are secured by a mortgage","Maximum loan term is 20 years statewide (up to 30 years through the Hagerstown local program)","Applicant must meet low- or moderate-income requirements (Frederick County)","Applicants must answer lead paint questions: whether house was built before 1978, number of children under age 6 living in or spending more than 10 hours per week in the household, whether any such children have been diagnosed with elevated blood lead levels, and whether a Lead Paint Violation Notice has been received from the Health Department","Income documentation required (2 years of tax returns or other proof of income for all household members)","Sponsors required to pay all closing costs","Must meet income eligibility requirements","Incipient failure of critical infrastructure due to being beyond the life expectancy of the equipment is an eligible repair condition"],"schema":"https://md.api.cg.a6lab.ai/docs"},"mdSourceUrls":{"name":"mdSourceUrls","fieldType":"array","value":["https://dhcd.maryland.gov/energy-home-repair/homeowner-repair-loans-grants","https://www.baltimorecountymd.gov/departments/housing/housing-opportunities/loan-programs","https://dhcd.maryland.gov/energy-home-repair/homeowner-repair-loans-grants/housing-rehabilitation","https://www.frederickcountymd.gov/FAQ.aspx?QID=268","https://www.calvertcountymd.gov/3842/Financial-Assistance","https://www.frederickcountymd.gov/6382/Maryland-Housing-Rehabilitation-Program","https://www.annapolis.gov/921/Housing-Rehabilitation"],"schema":"https://md.api.cg.a6lab.ai/docs"},"mdSourceCount":{"name":"mdSourceCount","fieldType":"number","value":7,"schema":"https://md.api.cg.a6lab.ai/docs"},"stateCode":{"name":"stateCode","fieldType":"string","value":"MD","description":"USPS code of the state whose agency offers this funding","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyKey":{"name":"agencyKey","fieldType":"string","value":"dhcd","description":"Portal key of the administering agency","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyAbbrev":{"name":"agencyAbbrev","fieldType":"string","value":"DHCD","description":"Administering agency abbreviation","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"upstreamSource":{"name":"upstreamSource","fieldType":"string","value":"maryland","description":"Upstream CommonGrants API this record is read from (src/data/state-portals/upstreams.json)","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"bindingMode":{"name":"bindingMode","fieldType":"string","value":"upstream","description":"Read from an upstream CommonGrants API; no editorial card yet","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"}},"createdAt":"2026-09-21T02:56:41.857Z","lastModifiedAt":"2026-10-04T20:03:36.199Z","identifiers":{"otherIds":{"opp:maryland:system":{"registry":{"code":"opp:maryland:system","url":"https://md.api.cg.a6lab.ai/common-grants"},"id":"66a79adc-1e12-58be-b005-5a32f43bf0ab"}}},"funders":{"primary":{"id":"bcbcccdb-0afd-52f3-9f98-dd0257007c14","name":"Maryland Department of Housing and Community Development","identifiers":{"otherIds":{"org:opengrants:funder":{"registry":{"code":"org:opengrants:funder","url":"https://opengrants.io/common-grants/registries/org-opengrants-funder.json"},"id":"8fedad3d-6e5f-4b39-b56f-6325a4cc09bf","allIds":[{"id":"8fedad3d-6e5f-4b39-b56f-6325a4cc09bf","status":"active"},{"id":"834b3d8b-c62f-4ead-ac42-2eb43df5aa2e","status":"active"},{"id":"6edab60f-4b54-4d89-9aa1-8ae8083d53ef","status":"active"},{"id":"08e6922c-cc8d-49b8-8a90-5542613d0e74","status":"active"},{"id":"1a3ee814-85ff-4535-a796-a1f4c6864471","status":"active"},{"id":"d79075bb-0c92-4049-80ac-78c330ae609b","status":"active"}]},"org:us:md:agency":{"registry":{"code":"org:us:md:agency","url":"https://opengrants.io/common-grants/registries/org-us-md-agency.json"},"id":"DHCD"}}}}},"competitions":[],"awards":[]}}