Homeowner Resources - for website

	A	B	C	D	E	F	G
1	Category	Organization	Description	Type of Assistance	Target Population/Eligibility	Application Cycle	Website Link
2	Homeowner	Rebuilding Together Baltimore	Housing Upgrades to Benefit Seniors (HUBS) - one of four initiatives	Critical Home Repairs	Seniors 65+	Ongoing	https://www.rtbaltimore.org/programs
3	Homeowner	BGE Limited Income Programs		Energy Conservation Measures	Limited Income HHs	Ongoing	https://www.bgesmartenergy.com/residential/help-me-save/limited-income
4	Homeowner	BGE Appliance Recycling	Recycle old working appliances	$50 refr or freezer; $25 AC or dehumid	Homeowners	Ongoing	https://www.bgesmartenergy.com/residential/help-me-save/appliance-recycling
5	Homeowner	BGE EVsmart Program	Install electric vehicle charger	$300 for Level 2 smart charger	Homeowners	Ongoing	https://www.bge.com/SmartEnergy/InnovationTechnology/Pages/ElectricVehicles.aspx
6	Homeowner	BGE Free HVAC Tune-Up	Free HVAC Tune up		Homeowners	Ongoing	https://www.bgesmartenergy.com/residential/schedule-hvac-tune
7	Homeowner	State of Maryland	Homeowner Assistance Fund	Mortgage Payments & Housing Costs	Homeowners experiencing financial hardship	Ongoing	https://dhcd.maryland.gov/Residents/Pages/HomeownerAssistanceFund.aspx
8	Renter	State of Maryland	Emergency Rental Assistance Payments	Current or Past Due Rent Assistance	Renters experiencing financial hardship	Ongoing	https://dhcd.maryland.gov/Pages/EvictionPrevention/default.aspx
9	Homeowner	State of Maryland	Independent Living Tax Credit	TC for renovations to make home accessible	Homeowners	Ongoing	https://dhcd.maryland.gov/Pages/ILTC/default.aspx
10	Homeowner	State of Maryland	Home Repair Loan & Grant Programs			Ongoing	https://dhcd.maryland.gov/Residents/Pages/SpecialLoans.aspx
11	Homeowner	State of Maryland	The Maryland Department of Housing and Community Development offers a program for accessibility related improvements to the homes of seniors.	These improvements may include, among others, the installation of grab bars and railings, widening of doorways and installation of ramps. Home improvements such as these represent for many older people the key to remaining in their home and maintaining their independence. Up to $25,000 in grants. Loans also available.	Maryland households with at least one resident age 55 or older. Generally must own and occupy the home. Income requirements apply.	Year round	https://dhcd.maryland.gov/Residents/Pages/ahsp/default.aspx
12	Renter	City of Baltimore	Emergency Rental Assistance Program. Both tenants and landlords must apply	Get up to—and a maximum of—12 months in back rent and other tenant supports through the Baltimore City. Other supports include relocation and security deposit assistance, help with utility payments, legal services, and case management.	Tenants in Baltimore City	Ongoing. This is a Covid-19 relief program, so i am not sure how long it will last	https://www.bmorechildren.com/eviction-prevention-program
13	Homeowner	NACA	First-time Homebuyer Mortgage Program	No downpayment, closing costs or fees mortgage	First Time Homebuyers	Ongoing	https://www.naca.com/about-naca/
14	Homeowner	Harbel Community Organization	First-time Homebuyer Workshop	Homebuying Information	Potential Homebuyers	Ongoing	https://harbel.org/housing-partnership/
15	General	LIVE Baltimore	Baltimore City Living Advocate	Buying & Renting Resources	Potential Baltimore City homeowners and renters	Various	https://livebaltimore.com/
16	Legal	Public Justice Center	Defend renters facing eviction, demand repair of unsafe housing conditions, and represent renters seeking systemic relief from predatory landlord practices	Legal help to fight eviction	Renters	Ongoing	https://www.publicjustice.org/en/
17	Legal	Maryland Legal Aid	Civil Legal Assistance		Anyone	Ongoing	https://www.mdlab.org/
18	Renter	Emergency Assistance to Families with Children (EAFC)		Emergency cash assistance for families who need emergency help paying rent or utilities or for other emergencies		Ongoing	https://dhs.maryland.gov/weathering-tough-times/emergency-assistance/
19	Homeowner	LIVE Baltimore	Ground Rent FAQ	Details on ground rent in Baltimore City	Homeowners with ground rent	N/A	https://livebaltimore.com/resident-resources/ground-rent/
20	Homeowner	State of Maryland	Ground Rent Redemption Loan Program	Provide loans to homeowners to buy out (redeem) ground leases	Homeowners with ground rent	Ongoing	https://dhcd.maryland.gov/residents/pages/grrlp/grrlp.aspx
21	Homeowner	State of Maryland	Homeowner Assistance	Homestead Tax Credit. Limit the amount of the annual increase in taxable assessments for eligible owner occupied properties	Primary Residence Homeowners	Ongoing	https://dat.maryland.gov/realproperty/Pages/Maryland-Homestead-Tax-Credit.aspx
22	Homeowner	City of Baltimore	Homeowner Assistance	Tax Sale Exemption Program. Homeowner 15+ yrs; Home assessed value less than $250,000; Owe more than $750 in unpaid bills	Homeowners of 15+ years; income requirements	Feb 15 - Apr 15 Annually	https://dhcd.baltimorecity.gov/sites/default/files/dhcd/attachments/FINAL%20Tax%20Sale%20Exemption%20Application%20-3.pdf
23	Homeowner	State of Maryland	Homeowner Assistance	Homeowners' Property Tax Credit Program. Sets a limit on the amount of property taxes any homeowner must pay based upon his or her income	Combined gross household income less than $60,000; networth including value of home less thank $200,000	April 15 Annually	https://dat.maryland.gov/realproperty/Pages/Homeowners'-Property-Tax-Credit-Program.aspx
24	Homeowner	Healthy Neighborhoods	Homeowner and Purchaser Assistance	Below-market interest rate loans to help people purchase or renovate a home	Loans are only available in eligible neighborhoods and blocks, which include the Ednor Gardens Lakeside neighborhood. Eligible borrowers are those who are purchasing or refinancing a house on a target block in a Healthy Neighborhoods community who intend to be or are owner occupants and who are undertaking a rehabilitation project in the property. Target houses may include foreclosed vacant properties throughout the neighborhoods as approved by Healthy Neighborhoods.	Ongoing	https://healthyneighborhoods.org/our-loans/purchase-rehab/
25	Homeowner/Renter	Senior Housing Net	Senior Housing Assistance	A variety of housing guidance and resources for seniors, including emergency hosuing, remodeling, senior living communities, and acessing federal and state financial asisstance	Seniors 65 years of age and over	Ongoing	https://www.seniorhousingnet.com/advice-and-planning/senior-care-resources
26	Homeowner	Rebuilding Together Baltimore	Consumer Guide Sheet for Finding Contractors	What to look for, what to ask, and how to check if a contractor is a responsible and reputable business owners	Everyone	On demand resource guide	https://www.rtbaltimore.org/copy-of-resources
27	Renter	Baltimore Renters United	Tenant-led Renter Advocacy Organization	Building a movement for tenants rights in Baltimore by teaching renters their rights and building a tenant coalition. Engaging Baltimore and stewide legislation.	Renters in Baltimore	Advocacy, no application process or cycle	https://www.baltimorerentersunited.org/brucampaigns
28	Homebuyers/Homeowners	Neighborhood Housing Services (NHS)	Homebuying and Home Rehab Assistance	NHS can help first time homebuyers access the resources they need, assist those struggling with their mortgage, and support homeowners seeking financial assistance to fix critical home repairs	Homebuyers and Homeowners	Ongoing	https://www.nhsbaltimore.org/about/
29	Residents	Community Law Center	Legal Services and Workshops	Legal advice from a pro bono attorney. Help with landlord/tenant issues, deed transfers, and other issues. In addition to individual services, also provides trainings and workshops.	State of Maryland, but mostly Baltimore residents. Some programs have income eligibility requirements	Ongoing	https://communitylaw.org/about-clc/
30	Residents	Maryland Legal Aid Center	Legal Services and Workshops	Provide free, direct legal services and clinics in Maryland. As a private, non-profit law firm, MLA provides a full range of free civil legal services to low-income people statewide, in Baltimore City and in Maryland’s 23 counties, from 12 office locations. Services address bankruptcy, foreclosure, landlord/tenant issues, deed transfers, and other issues.	State of Maryland. Some programs have income eligibility requirements	Ongoing	https://www.mdlab.org/free-legal-clinics/
31	Homeowner	St. Ambrose Housing Center	Homesharing	Homesharing is a simple idea: a homeowner offers an extra room in their home to someone looking for an affordable room to rent. A successful match offers homesharers the opportunity for companionship, reduced housing cost, and the continuation of an independent lifestyle— and unlike other roommate options, we carefully screen each and every applicant to make the best, most secure match possible. The application process includes an interview, a background check, and conversation with personal references.	Homeowners	Ongoing	https://www.stambros.org/find-a-home/homesharing/
32	Residents	City of Baltimore	Lead Hazard Reduction Program	The Lead Hazard Reduction Program (LHRP) is a grant-funded program that works with applicants to apply interventions to make the home safe for the family and children that live there. LHRP helps to determine the presence and location of existing lead hazards and select cost-effective and sustainable interventions to reduce or eliminate lead hazards. Some of these interventions include: Window replacement Door replacement Wall stabilization Minimal structural repairs	Families with a pregnat woman or a child under age six living in the home	Ongoing	https://dhcd.baltimorecity.gov/hho/lead-hazard-reduction
33	Residents	State of Maryland	Energy/Water Assistance	Provides financial assistance to eligible households to help them pay heating, electrical, and water bills.	Income restricted and/or limited to households and families experiencing hardship paying energy and utility bills.	Ongoing	https://dhs.maryland.gov/office-of-home-energy-programs/how-do-you-apply/
34	Residents	City of Baltimore	Adopt-A-Lot Program	The Baltimore City Department of Housing and Community Development’s Adopt-A-Lot program allows residents, businesses or neighborhood groups to steward and care for city-owned vacant lots in their community. The program gives you the opportunity to use the Department of Housing and Community Development’s city-owned vacant lots near your home or business for your own benefit and your neighborhood's benefit without the burden of taxes or other financial obligations that come with ownership.	Any Baltimore City resident, civic or non-profit organization, school group, business or neighborhood group committed to caring for the vacant lot in their neighborhood is eligible to adopt a lot from the City of Baltimore.	Ongoing, but closes over colder months	https://dhcd.baltimorecity.gov/nd/adopt-lot-program
35	Residents	City of Baltimore	Judicial In Rem	Judicial In Rem Foreclosure allows the Baltimore City Department of Housing & Community Development (DHCD) to foreclose on the liens on a vacant lot or building where the value of the liens exceeds the assessed value of the property, and thereby take title to the property. Communities can submit property addresses to DHCD for review for In Rem Tax Lien Foreclosure. Remember that the property must be a vacant lot or have a Vacant Building Notice (VBN). DHCD will complete an analysis to see if the property qualifies for In Rem. Complete the In Rem Eligibility Form to see if your property is eligible for in rem foreclosure.	Communities and residents	Ongoing	https://dhcd.baltimorecity.gov/rem-eligibility-form
36	Homeowner	City of Baltimore	Emergency Mortgage Housing Assistance Program	The Emergency Mortgage & Housing Assistance Program (EMHAP) assists Baltimore City homeowners whose homes are at risk of foreclosure due to economic hardship related to the COVID-19 pandemic. Assistance is provided as a grant in the form of a direct payment to the mortgage company to pay past due mortgage charges. Homeowners without a mortgage can still receive assistance for past due homeowner’s insurance, property taxes, and water bills. Payments can be applied toward arrearages for any consecutive six-month period since March 1, 2020.	Homeowners with income restrictions based on household size	Ongoing	https://dhcd.baltimorecity.gov/hho/emergency-mortgage-housing-assistance-program
37	Residents	Maryland Volunteer Lawyers Service (MVLS)	Variety of pro bono legal repsresentation and community engagement assistance	MVLS directly helps Marylanders facing legal challenges, while also fighting to change systems that harm people living in or near poverty. MVLS accomplishes this through pro bono representation, community engagement, and legislative and administrative advocacy. Our volunteer attorneys and tax professionals help individual clients resolve their life changing civil issues. MVLS staff attorneys build on that impact by building meaningful community partnerships and identifying specific inequities that are borne out in our clients’ stories and in the legal system at large. We leverage this knowledge to advocate for more equitable laws.	Anyone with some eligibility limitations based on icnome and case type	Ongoing	https://mvlslaw.org/#home-pathway-1
38	Renters and Landlords	Economic Action Maryland	Direct service and referrals for tenants and landlords with rental issues such as substandard housing, rent escrow, leases, security deposits, and rental licensing	Economic Action Maryland champions economic rights and housing justice through advocacy, research, consumer education, and direct service. We advance local, state, and federal policy, work to reform predatory debt collection practices, decriminalize poverty, and secure older adult resources. Economic Action Maryland provides direct services to ensure every Marylander has access to safe, affordable housing, free from discrimination, harassment, and code violations and remove barriers to economic wellbeing that disproportionately effect low-income older adults, individuals, and communities of color.	Reneters, landlords, and others interested in housing justice	Ongoing	https://econaction.org/
39	Homeowners	State of Maryland	Homeowners' Property Tax Credit	The State of Maryland has developed a program which allows credits against the homeowner's property tax bill if the property taxes exceed a fixed percentage of the person's gross income. In other words, it sets a limit on the amount of property taxes any homeowner must pay based upon his or her income.	Homeowners with slidnig scale based on income	Ongoing	https://dat.maryland.gov/realproperty/Pages/Homeowners%27-Property-Tax-Credit-Program.aspx
40	Renters	St. Ambrose Housing Center	Eviction Prevention	Amidst the COVID-19 pandemic, St. Ambrose added eviction prevention to our suite of housing stability services, offering support to renters at risk of housing loss.Their attorneys and HUD-certified housing counselors continue to provide free counseling services, and legal advice to address the challenges faced by renters. The availability of these services depends on our capacity, the eligibility of the individual, and the specifics of the matter.		Ongoing	https://www.stambros.org/get-assistance/eviction-prevention/
41	Homeowners	City of Baltimore	Weatherization and Energy Efficiency	The Weatherization Assistance Program helps low-income households with reducing energy expenses by installing energy conservation materials and products which help lower utility bills and maintain a safer, more comfortable home. These materials and products also reduce the consumption of energy and the cost of maintenance for these homes. Assistance is available for eligible owner-and tenant-occupied properties. Upon completion of the weatherization work, each house is required to have a Quality Control Inspection conducted by a Weatherization Assistance Program inspector. This inspection is conducted to ensure each energy measures has been installed according to the program guidelines, and for quality and completeness.	Income restricted	Ongoing	https://dhcd.baltimorecity.gov/hho/weatherization-and-repairs
42	Residents	State of Maryland	Weatherization Assistance Program	The Maryland Weatherization Assistance Program (WAP) is the largest residential energy conservation program in the country. Maryland’s WAP assists income-eligible homeowners and renters in our state by reducing heating and cooling costs through energy-conservation measures, while also addressing health and safety issues in their homes.WAP services are prioritized to reduce the amount of energy needed to heat and cool homes, supply hot water and provide lighting, thus reducing energy consumption while minimizing the impact of higher fuel costs on low-income families now and in the future.	Income Restricted	Ongoing	https://dhcd.maryland.gov/Residents/Pages/wap/default.aspx
43	Homeowners	Healthy Neighborhoods	Home Improvement Loan	The borrower must be the owner-occupant of the home. Current residents may borrow between $5,000 and $20,000, and the loan must be used for home renovation only, including some visible exterior improvements. The interest rate is always 1% below the prime rate but in no event less than 4%. The term is 10 years.	Homeowners in eligible neighbrohoods, which Ednor Gardens Lakeside is	Ongoing	https://healthyneighborhoods.org/our-loans/home-improvement/
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100