Special Loan Programs

The Queen Anne's County Department of Housing and Community Services administers the Special Loan Programs on behalf of the Maryland Department of Housing and Community Development (DHCD). These programs are designed to improve single family and small rental properties for low and moderate-income families.

The programs rehabilitate properties, increase energy conservation, and meet special housing needs, such as lead paint abatement, accessory dwellings, and installation of indoor water and sewer facilities.

Maryland Housing Rehabilitation Program
The purpose of the Maryland Housing Rehabilitation Program (MHRP) is to preserve and improve single-family properties and one-to-four unit rental properties. MHRP is a program designed to bring properties up to applicable building codes and standards.

Applicants must meet an income guideline. Interest rates are based on income of tenants. Loans in excess of $5,000 or with deferred payments are secured by a mortgage.

Accessory Shared & Sheltered Housing Program
The purpose of the Accessory, Shared, and Sheltered Housing Program (ACCESS) is to expand low-cost housing opportunities for low-income households and low-income elderly, handicapped or disabled persons by financing the creation of accessory, shared, and sheltered housing facilities.

Loans may be provided to create accessory dwelling units in single-family homes. Loans may be provided to create shared living space in single-family homes. Loans may also be provided to create sheltered housing facilities in owner occupied single-family homes that provide sheltered care to no more than 15 income-eligible elderly, disabled or handicapped persons.

The interest rate is based upon income and project's income to repay loan. Loans in excess of $5,000 will be secured by a mortgage

Lead Hazard Reduction Grant Loan Program
The purpose of the Lead Hazard Reduction Grant Loan Program (LHRGLP) is to reduce
instances of lead poisoning of children by financing the abatement of lead paint in residential buildings. Owners of nonresidential buildings that provide services for children may apply for LHRGLP loans. Interest rates are based upon the occupant's or project's income.

Special Targeted Applicant Rehabilitated Program (STAR)
The purpose of the Special Targeted Applicant Rehabilitation Program (STAR) is to preserve and improve single-family properties. STAR is a program designed to bring properties up to applicable building codes and standards or a minimum housing quality standard. Loans are deferred, but are secured by a mortgage.

Indoor Plumbing Program (IPP)
The purpose of the Indoor Plumbing Program is to provide indoor plumbing in residential properties. Loans may be made for single family, owner-occupied houses and rental properties with one to 100 units that do not have indoor plumbing. Interest rates are based on the incomes of the residents and owner occupant. Loans may be deferred or forgiven based upon income.