{"status":200,"message":"Success","data":{"id":"b3ed86c8-aa49-5388-8e98-8976aa0b46a2","title":"Maryland Housing Rehabilitation Program (MHRP) / WholeHome Program","identifiers":{"otherIds":{"opp:opengrants:program":{"registry":{"code":"opp:opengrants:program","url":"https://opengrants.io/common-grants/registries/opp-opengrants-program.json"},"id":"md:dhcd-maryland-housing-rehabilitation-program-wholehome-program"},"opp:maryland:system":{"registry":{"code":"opp:maryland:system","url":"https://md.api.cg.a6lab.ai/common-grants"},"id":"a4c1eb33-0bb7-5a9a-b978-56ebf3a05b54"}}},"status":{"value":"custom","customValue":"Confirm with agency","description":"See official page"},"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, 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. In Frederick County, the program is administered locally by the Frederick County Division of Housing (Ted Helmick, 301-600-3531) 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 Special Targeted Applicant Rehabilitation Program (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).","funding":{"details":"• Maximum loan amount: $50,000 Interest rates: Range from 0% to 6%, based on the applicant's ability to pay Loan terms: Up to 30 years Loan security: All loans are secured by a Deed of Trust Deferred payment options: Deferred payments may be available for loans that serve families with incomes at or below 50 percent of the statewide or Washington, D. C.","maxAwardAmount":{"amount":"50000.00","currency":"USD"}},"funders":{"primary":{"id":"bcbcccdb-0afd-52f3-9f98-dd0257007c14","name":"Maryland Department of Housing and Community 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deadline)"}}},"acceptedApplicantTypes":[{"value":"individual","description":"Individual"},{"value":"for_profit_small_business","description":"Business"},{"value":"for_profit_not_small_business","description":"Business"},{"value":"non_profit_with_501c3","description":"Nonprofit"},{"value":"nonprofit_without_501c3","description":"Nonprofit"}],"source":"https://dhcd.maryland.gov/energy-home-repair/homeowner-repair-loans-grants/housing-rehabilitation","customFields":{"contactInfo":{"name":"contactInfo","fieldType":"object","value":{"name":"Special Loan Programs","email":"DHCD.SpecialLoans@maryland.gov","phone":"301-429-7409"},"description":"Program contact","schema":"https://commongrants.org/custom-fields/contactInfo"},"eligibilityCriteria":{"name":"eligibilityCriteria","fieldType":"object","value":{"details":"Program funds may be used to assist in the rehabilitation of owner-occupied single-family homes."},"description":"Who is eligible, in the funder's 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