RENOVATION AND REHABILITATION PROGRAMS

Baltimore City Lead Abatement Program

The Baltimore City Lead Abatement Program creates lead-safe housing for low-income families with children. Families with either children 6 yrs old or younger as well as families with a pregnant woman may qualify.  You may also qualify for this program if you do not have a child living full time in the home but spends 20 or more hours per week at the property.

For More Information

Baltimore City Health Department
(443) 984-1613
Website

Be SMART Home Energy Star

The BeSMART Home Loan Program provides financing to improve the energy efficiency and comfort of your home. By replacing and upgrading appliances, heating, ventilation and cooling systems, and whole house envelope improvements – homeowners can save on the utility bill.

For More Information

MD Department of Housing and Community Development
(410) 514-761
Website

Baltimore City Deferred Loan Program

This program offers below market-rate rehabilitation loans for owner-occupied properties of low-income households. Loans of up to $10,000 are available.

For More Information

Baltimore City Housing
(410) 396-4151
Website

Maryland Housing Rehabilitation Program

The Maryland Housing Rehabilitation Program offers below market-rate rehabilitation loans to correct health safety violations and major system deficiencies on owner-occupied properties.

For More Information

Baltimore City Housing Office of Rehabilitation
(410) 396-4151
Website

Neighborhood Housing Services of Baltimore Home Improvement Loan

The Neighborhood Housing Services of Baltimore offer a home improvement loan for low-income residents to assist with structural or appliance repair.  Things such as roofing, plumbing, heating/air conditioning, window replacement, and energy efficiency, as well as other refurbishments may qualify.

For More Information

Neighborhood Housing Services of Baltimore
(410) 327-1200
Website

Office of Home Energy Programs Weatherization Program

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. 

For More Information

Baltimore Housing, Office of Weatherization
(443) 984-1066
Website

Senior Roof Repair Program

Forgivable loans for roof repair or replacement to homeowners who are aged 62 and older or who have disabilities. DHCD helps eligible low- and moderate-income applicants finance home improvements including the repair and replacement of roofing, heating, plumbing and electrical systems, and disability accessibility modifications. Assistance for repairs is mainly in the form of loans, some of which may be forgivable or deferred based on eligibility.

For More Information

Baltimore City Housing Office of Rehabilitation
(410) 396-4151
Website

Accessible Homes for Seniors (AHS)

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.

For More Information

DHCD Special Loan Programs
Tessa Hill-Aston
(410) 396-4932
Website

Healthy Neighborhoods Home Improvement Loan

If you live within the boundaries of a Healthy Neighborhood but not on a target block, we offer this loan to help you complete some renovation to your home. You can borrow between $5,000 and $20,000 to build a chef’s kitchen, put in a spa bathroom, update outdated windows, upgrade with new mechanical systems–whatever your home deserves and you desire.

For More Information

Healthy Neighborhoods, Inc.
(410) 332-0387
Website

Healthy Neighborhoods Refinance & Renovate Loan

Healthy Neighborhoods oversees a $30.5 million private loan fund and provides special below-market loans to homebuyers and homeowners in Baltimore City to encourage investment and standard-setting renovation. Already live in a Healthy Neighborhood? We can refinance your existing mortgage and lend you additional funds to update your home on a target block.

For More Information

Healthy Neighborhoods, Inc.
(410) 332-0387
Website

Maryland Lead Hazard Reduction Grant Program

The Maryland Department of Housing and Community Development provides funds to assist homeowners and landlords lessen the risk of lead poisoning and preserve the housing stock by reducing or eliminating lead-based paint hazards.

For More Information

Maryland Department of Housing and Community Development
(800) 492-7127
Website

City of Baltimore Historic Restoration & Rehabilitation Property Tax Credit

The Historic Tax Credit Program is open to residential and commercial buildings. The program is a 10 year, comprehensive tax credit program that helps the City in its mission to preserve Baltimore’s historic neighborhoods by encouraging property owners in historic districts to complete substantive rehabilitation projects. The 10-year credit is granted on the increased property value, resulting from the qualifying rehabilitation work. The tax credit is computed once and used for the entire 10-year life of the credit. 

For More Information

Baltimore City’s Commission for Historical and Architectural Preservation
(410) 396-4866
Website

Maryland Sustainable Communities Rehabilitation Tax Credit Program

The purpose of state and federal preservation tax incentives is to encourage private sector investment in the rehabilitation and re-use of historic buildings and to promote investment in local economies.  If you own a certified historic property in Maryland, you may have the opportunity to earn a state income tax credit on qualified rehabilitation expenditures. Whether you are planning to rehabilitate your primary or secondary residence or a commercial property, there are state incentives that may help.

For More Information

Maryland Historical Trust
(410) 514-7628
Website