294/Marylattd Manual

the State's stock of existing housing by making
direct, low-interest loans available to the owners of
apartment buildings of 5 to 100 units and commer-
cial properties for repair and renovation. Under the
requirements of the Program, recipients of loans for
the renovation of rental properties must make at
least two-thirds of the units available to low-income
tenants. Authorized by the General Assembly in
1975, MHRP—MF is funded by State general ob-
ligation bonds and by repayments of principal and
interest on outstanding loans.

The Residential Energy Conservation Program,
initiated in 1982 as a pilot program, was replaced
in 1983 by the Home and Energy Loans Program—
Multi-Family (HELP—MF). HELP—MF provides
loans for energy conservation, home improve-
ments, and combined energy conservation and
home improvements. Loans are made directly
through the Community Development Adminis-
tration for multi-family housing with five or more
units. Funds are generated by the sale of mortgage
revenue bonds. In multi-family developments, a
certain percentage of units must be rented to lim-
ited-income families.

Created by the legislature in 1984, the Elderly
Rental Housing Program (ERHP) provides below-
market-rate or deferred payment loans to develop-
ers who agree to construct or rehabilitate rental
housing for occupancy by low-income elderly
households. Priority is given to developments that
serve the lowest income households.

The Nonprofit Rehabilitation Program (NRP) was
created by the General Assembly in 1986. The
Program makes loans to nonprofit organizations
and local governments to rehabilitate buildings for
rental housing, congregate housing, group homes,
shelters, and other housing facilities that serve low-
income households.

The Partnership Rental Housing Program (PRHP)
was authorized by the General Assembly in 1988
as a two-year pilot program to expand the supply
of affordable housing for the working poor. In a
partnership, local governments provide the finished
site, including roads, water, sewer, and other infra-
structure, while the Community Development Ad-
ministration provides construction and permanent
financing for rental housing units.

SPECIAL LOAN PROGRAMS
Vance Morris, Director 974-2795

In 1986, the General Assembly created new
special rehabilitation programs to address the hous-
ing needs of low-income households. With State
general funds, these programs provide low-interest,
no-interest, or deferred loans for 20-year terms.

Limited-income home owners and landlords of
rental properties who rent two-thirds of their dwell-

ings to limited-income households may qualify for
loans under the Indoor Plumbing Program, the
Residential Lead Paint Abatement Program, and
the Livability Code Rehabilitation Program. The
Indoor Plumbing Program provides loans to finance
indoor plumbing and related systems in buildings
that lack indoor plumbing or have failing plumbing
systems. Loans through the Residential Lead Point
Abatement Program finance lead paint abatement in
residential buildings. The Uvabihty Code Rehabilita-
tion Program makes loans for rehabilitation to bring
residential properties into compliance with local
housing or livability codes.

The Accessory, Shared, and Sheltered Housing Pro-
gram provides loans to limited-income homeown-
ers for housing modifications that create accessory
dwelling units or provide for shared housing ar-
rangements. Homeowners may also receive loans
to modify housing in order to provide sheltered
housing for up to fifteen income-eligible elderly
handicapped, or disabled persons.

The Group Home Acquisition Program (GHAP)
was authorized by the General Assembly in 1986
and is funded with special funds. GHAP provides
financing to nonprofit organizations to acquire and
modify housing for group homes and temporary
and emergency shelters that substantially serve low-
income persons.

The Construction Loan Program is a revolving
loan fund that provides construction loans to non-
profit organizations and local governments to fi-
nance the acquisition, rehabilitation, or
construction of single-family and multi-family
housing. Multi-family housing developed under the
Program must be rented to those of low and very
low income, and single-family housing must be sold
to those whose annual income does not exceed
$20,000. The Program was created in 1986 and is
funded by the Community Development Adminis-
tration.

By making low-interest loans available for repair
and renovation, the Maryland Housing Rehabilita-
tion Program—Single Family (MHRP—SF) pre-
serves the State's stock of existing owner-occupied
one- to four-unit dwellings. Owner-occupants and
tenants of rental properties must meet income
guidelines established by the Administration.
MHRP—SF is administered under the same fund-
ing as MHRP—MF.

The Home and Energy Loan Program—Single
Family (HELP—SF) finances loans for energy con-
servation and home improvements in owner-occu-
pied one- to four-unit dwellings. Loans are
administered by the Community Development Ad-
ministration, local housing agencies, and participat-
ing lenders. Owner-occupants and tenants of rental
properties must meet income guidelines established