The Department of Housing and Community Development works to ensure available housing at all income levels, and encourage strong neighborhoods and viable communities. The Department funds or insures loans for purchase and construction of housing for low-income families; helps low- and moderate-income families buy or rehabilitate houses; and aids nonprofit organizations with grants or loans to house the elderly, developmentally disabled, and homeless. The Department also distributes federal rent subsidies to low-income families; and offers weatherization and energy conservation aid to qualified groups and households.

To revitalize commercial districts and blighted areas, plan growth and resource development, and provide housing for citizens not served by the private sector, the Department funnels federal and State funds to communities and supports community action and regional development agencies.

In April 2015, the Department moved from 100 Community Place, Crownsville, Maryland (Anne Arundel County) to its present site at 7800 Harkins Road, Lanham, Maryland (Prince George's County).


7800 Harkins Road, Lanham, MD 20706

Appointed by the Governor with Senate advice and consent, the Secretary of Housing and Community Development is chief executive officer of the Department. The Secretary sets policy, promulgates rules and regulations, and determines the strategies to fulfill the Department's mandate. The Secretary is responsible for the budget of the Department and the budgets of the boards, commissions, and offices under its jurisdiction (Code, Housing & Community Development Article, secs. 2-103, 2-104).

The Secretary chairs the Interagency Council on Homelessness, and also serves on the Governor's Executive Council, the Commerce Subcabinet, and the Smart Growth Subcabinet. In addition, the Secretary is a member of the Maryland Affordable Housing Trust; the Interagency Committee on Aging Services; the Maryland Agricultural Education and Rural Development Assistance Board; the Behavioral Health Advisory Council; the Maryland Building Rehabilitation Code Advisory Council; the State Children's Environmental Health and Protection Advisory Council; the Interagency Disabilities Board; the Commission on Environmental Justice and Sustainable Communities; the Financial Education and Capability Commission; the Maryland Green Building Council; the Maryland Heritage Areas Authority; the Maryland Advisory Council on Historic Preservation; the State Coordinating Committee for Human Services Transportation; the Council on Open Data; the Rural Maryland Council; the Interdepartmental Advisory Committee on Small, Minority, and Women Business Affairs; the Governor's Commission on Small Business; and the State Center Executive Committee.

The Secretary of Housing and Community Development is responsible for five divisions: Credit Assurance; Development Finance, Finance and Administration; Information Technology; and Neighborhood Revitalization.

Directly under the Secretary are the Deputy Secretary, the Chief Financial Officer, and the Chief Operating Officer and Chief of Staff, as well as Business Development for Project CORE, and the Office of Statewide Broadband.

In January 2016, the Governor with the Mayor of Baltimore, through their respective departments of housing and community development, entered into a memorandum of understanding to demolish thousands of vacant buildings in Baltimore City, paving the way for redevelopment, reinvestment, and stabilization of City neighborhoods. Housed within the Department of Housing and Community Development, this initiative was overseen by the Deputy Secretary from 2017 to 2019. Known as Project Creating Opportunities for Renewal and Enterprise (Project CORE), the initiative also includes the Maryland Stadium Authority as a partner. To assist these efforts, the Continuing the CORE [Creating Opportunities for Renewal & Enterprise] Partnership Fund was created in July 2018 (Chapters 639 & 640, Acts of 2018). Project CORE was placed directly under the Office of Secretary in May 2019.


Within the Office of Secretary, the Chief Financial Officer oversaw Strategic Initiatives. Through a Departmental reorganization in May 2023, the Division of Finance and Administration was placed under the Chief Financial Officer.


7800 Harkins Road, Lanham, MD 20706

The Division of Finance and Administration began as the Division of Finance and received its present name in 1992. The Community Development Administration, the Maryland Housing Fund, and the Office of the Chief Financial Officer of the Department transferred to the Division in 1994. In May 2023 through a Departmental reorganization the Division was placed under the Chief Financial Officer.

Advice and technical support in fiscal matters is provided by the Division to the Department's senior program directors and managers. The Division accounts for Department expenditures and revenues; manages the capital and operating budgets; processes contracts, purchasing and procurement requests; and provides financial analytical review and reporting services. For the Department, the Division oversees financial management and central support services, including telecommunication systems, and facilities and fleet management.

Seven offices are overseen by the Division: Accounting, Budget, Financial Analysis, Fund Accounting, Procurement, State-Funded Loan Program, and Systems Analysis and Reporting.


From February 2019 to March 2022, the Chief of Staff oversaw six offices: Fair Practices; Housing and Economic Research; Human Resources; Legislative Affairs; Operations and Administration; and Public Information. In March 2022, the Chief of Staff was renamed as the Chief Operating Officer and Chief of Staff responsible for three offices: Fair Practices, Human Resources, and Operations and Administration.


In 2017, the Office of Statewide Broadband was created by the Governor as the Office of Rural Broadband within the Department of Information Technology (Executive Order 01.01.2017.14). By 2020, the Office had transferred to the Department of Housing and Community Development where it was placed under the Chief Financial Officer. In April 2021, the Office of Rural Broadband was restructured by the General Assembly as the Office of Statewide Broadband within the Department of Housing and Community Development (Chapter 74, Acts of 2021). The Office was placed directly under the Office of Secretary in July 2021.

In Maryland, the Office of Statewide Broadband develops definitions and standards for broadband to meet requirements for businesses, communities, educational institutions and health care providers. To create a statewide audit of availability, reliability, and affordability of broadband internet services in each county, the Office collects pricing data from providers, and assesses actual upload and download speeds experienced by consumers.

To expand access to broadband internet services, local jurisdictions are assisted by the Office, which identifies areas needing better internet service, estimates what funding is needed to connect residents to high-speed internet service, and coordinates the delivery of resources to improve access to broadband services in those areas. To further those ends, the Office is to maintain a website with a publicly accessible map showing where no access to broadband internet is available; the prices and plans available for broadband internet services in different areas; and other available geographic and demographic State data. Geographic and demographic data on households relying on mobile broadband for internet service is to be collected, analyzed, and shared by the Office.

Data on funding available through government and private sources for expanding broadband infrastructure is identified and shared by the Office, which also solicits information on financial investment in high-speed internet from local jurisdictions and private entities. Through partnerships with library systems, local jurisdictions, other institutions, and the private sector, funding and technical assistance is provided by the Office to local governments and private entities to qualify for federal funding opportunities, and to plan and construct broadband infrastructure. In addition, the Office evaluates new technologies that increase the availability of broadband internet service in Maryland; looks for partnerships to share resources; recommends policy, legislation, and regulations for improving availability and access to broadband internet service in the State; and collaborates with local education agencies and community colleges to ensure that students have reliable broadband internet necessary for remote learning.

Three Funds are administered by the Office: the Digital Connectivity Fund; the Digital Inclusion Fund, and the Rural Broadband Assistance Fund.

Annually, the Office reports to the Governor and General Assembly, and by July 1, 2022, the Office is to prepare and submit a statewide plan to the Governor and General Assembly (Chapter 74, Acts of 2021).


7800 Harkins Road, Lanham, MD 20706

As the Office of Data Processing under the Division of Finance and Administration, the Division of Information Technology originated in 1985. It became the Office of Research and Information Systems under the Office of Secretary in 1988. Renamed Office of Information Systems in 1994, the Office reorganized as the Division of Information Technology and Portfolio Management in 1996, and under its present name in 1998. In May 2023 through a Departmental reorganization the Division was placed under the Chief Operating Officer.

The Division provides technology products and services to Department staff, and assesses their technology needs. Further, the Division designs, develops, implements, and maintains necessary databases and applications, trains staff users, and provides technical support.


Assisting the Secretary of Housing and Community Development is the Deputy Secretary, who is appointed by the Secretary with the approval of the Governor.

The Deputy Secretary since January 2022 has been responsible for four offices: Community Engagement, Legislative and Public Affairs, Public Information, and Research and Economic Development.

The Office of Public Information oversees two offices: Communications, and Community Outreach.

The Office of Research and Economic Development began as the Office of Research when the Department of Economic and Community Development formed in 1970. The Office joined in 1987 the Department of Housing and Community Development. In 1995, it became the Office of Policy Analysis and Commission Support; in 1996, the Office of Research; and in 1997, Research and Statistics. By 2003, it reformed as Research and, in 2007, as the Office of Research. In July 2008, it reorganized as the Office of Policy, Planning, and Research, and in April 2015, as the Office of Research, Policy, and Legislative Affairs. Through restructuring in July 2015, it became the Office of Housing and Economic Research, and in 2017 moved under the Office of Public Information. In January 2021, the Office became the Office of Research and Economic Development under the Deputy Secretary.

This office analyzes policy issues and develops legislative initiatives. It helps develop Department databases and geographic information systems for policy reporting. The Office also prepares the Consolidated Plan (for housing and economic and community development) required by the U.S. Department of Housing and Urban Development and the Plan's annual updates, performance reports, and fair housing strategy.


7800 Harkins Road, Lanham, MD 20706

The Division of Credit Assurance started as the Division of Housing Insurance in 1987. Renamed the Division of Housing Credit Assurance in 1990 (Chapter 321, Acts of 1990), it received its present name in 1996.

The Division is responsible for the Maryland Housing Fund and asset management for the multi-family loan portfolio of the Department (Code Housing & Community Development Article, secs. 3-101 through 3-104).


In 1971, the Maryland Housing Fund was established (Chapter 669, Acts of 1971). By insuring mortgage loans and employing other credit enhancements, the Fund assists State citizens of low and moderate income to secure housing. To stimulate the flow of private investment capital into Maryland for this purpose, the Fund uses a variety of innovative mortgage insurance programs (Code Housing & Community Development Article, secs. 3-201 through 3-208).


Asset Management began as Housing Management in the Community Development Administration. Renamed Asset Management, it transferred to the Division of Housing Credit Assurance in May 1994 and to the Division of Credit Assurance in 1996. Its functions reformed under Multifamily Asset Management in 1998. Reorganization in 2003 created Asset Management overseeing Single-Family Operations, and Multifamily Operations (now Special Assets).

Asset Management monitors and manages the Department's multifamily, single family, and small business portfolios and real estate assets, including State-funded loans and bond loans insured by the Maryland Housing Fund, the Federal Housing Authority, and others. To oversee these portfolios and real estate assets, Asset Management uses automated databases, standardized procedures, and early warning indicators. The database also provides a means of monitoring performance trends of the portfolio as a whole.

Construction Loans insure mortgages to nonprofit and qualified private developers of new or rehabilitated housing for families and individuals, the elderly and the disabled. Only in combination with permanent mortgage financing are construction loans insured. The Maryland Housing Fund is the only insurer of construction loans in the State, other than the Federal Housing Administration.

Permanent Loans insure permanent mortgages to nonprofit and qualified private developers of new or rehabilitated housing. Permanent mortgage insurance is provided to multifamily projects for new construction and rehabilitation, projects receiving federal subsidies, and market-rate projects financed by eligible issuers of revenue bonds.

Portfolio Management began in 1994 under the Maryland Housing Fund and became part of the Division of Information Technology and Portfolio Management in 1996. Functions of the office were returned to the Maryland Housing Fund in 1998. For the Maryland Housing Fund, the office focuses on risk management, and analysis and planning to better position the Fund's portfolio for the future. The office has helped increase reserve funds through loan and mortgage insurance initiatives.

Special Housing Opportunities Program (SHOP) Loans provide mortgage insurance to encourage the availability of financing to nonprofit agencies for group homes to house those with special needs, including the elderly, and the developmentally and mentally challenged. Mortgage loans finance or refinance acquisition, construction, or rehabilitation of shared living or related facilities for those with special needs. The Community Development Administration is the lender for these programs.


7800 Harkins Road, Lanham, MD 20706

The Division of Development Finance began in 1987 as the Division of Housing Finance (Chapter 311, Acts of 1987). In 1995, it received its present name (Chapter 115, Acts of 1995). The Division consists of the Community Development Administration, which operates finance programs for single- and multi-family housing with the proceeds of revenue bonds issued by the Administration. The Division runs other State housing programs as well (Code Housing & Community Development Article, secs. 4-101 through 4-103).


In 1970, the Community Development Administration formed within the Department of Economic and Community Development (Chapter 527, Acts of 1970). The Administration joined the Department of Housing and Community Development in 1987 (Chapter 311, Acts of 1987).

The Administration works to increase the supply of housing for families of limited income, the elderly, and the disabled. It also fosters sound community development and stimulates the construction industry statewide. Programs that increase home ownership, improve rental housing, build group homes, and assist owners with rehabilitated housing are overseen by the Administration. Programs are funded by the sale of tax-exempt revenue bonds; taxable bonds; State general obligation bonds; general funds; special funds generated through loan repayments, fees, and charges; and federal housing subsidies. The Administration also issues essential function bonds for the Local Government Infrastructure Program.

Projects proposed for financial assistance must comply with local priorities and complement and supplement local community development programs and initiatives. Projects also must meet eligibility criteria and financing requirements (Code Housing & Community Development Article, secs. 4-201 through 4-216).


To raise funds for single-family and multi-family home loans, Bond Finance sells both tax-exempt and taxable bonds. It also directs the investment and accounting of over $2.8 billion in revenue bond assets. Bond Finance reports information about the financial strength of the Community Development Administration and its debt and bond programs to the Department, investment bankers, bond holders, and rating agencies.


Under the Division of Development Finance, Capital State Funds and General Accounting started as the State-Funded Loan Program and reorganized under its present name in May 2022.


Energy and Business Lending formed under the Division of Development Finance in May 2022.


Multfamily and Business Lending Programs began as Community Development, reformed as Multifamily Housing Programs, and restructured under its present name in April 2015.

Under Multifamily and Business Lending Programs are two units: Business Lending, and Multifamily Housing Programs.

In 1995, Business Lending began as the Neighborhood Business Development Program under the Division of Neighborhood Development. Later, it became the Neighborhood BusinessWorks Program under the Community Development Administration. In April 2015, the Program was reformed as Business Lending within the Division of Development Finance under Multifamily and Business Lending Programs.

Business Lending stimulates investment in Maryland's older communities. It aids designated neighborhoods to develop, redevelop, or expand small businesses, invests in revitalizing small businesses, and helps local governments develop and expand small businesses (Code Housing & Community Development Article, secs. 6-301 through 6-311).

To help increase credit availability for small businesses in response to the economic effects of the COVID-19 pandemic, the federal American Rescue Plan Act of 2021 in March 2021 reauthorized and expanded the federal Small Business Jobs Act of 2010. The Jobs Act created the State Small Business Credit Initiative within the U.S. Department of the Treasury. In December 2021, the Governor designated the Department of Housing and Community Development to administer the State Small Business Credit Initiative for Maryland (Executive Order 01.01.2021.12).

The State Small Business Credit Initiative supports states with programs that increase access to credit for small businesses, which have had difficulty retaining existing loans or securing new loans needed to keep in operation.

Multifamily Housing Programs administers lending programs to increase available housing statewide. Funds either are appropriated by the State or raised through bond sales by Bond Finance. Loans are used by borrowers to purchase single-family homes; construct or rehabilitate rental housing; finance group homes for the elderly and Marylanders with special needs; and assist homeowners with maintenance, rehabilitation, or weatherization.

Under Multifamily Housing Programs are two units: Housing Development, and Rental Service.


In April 2014, Single-Family Housing and Energy Programs assumed oversight of Single-Family Housing Programs, and Energy Programs.

Energy Programs oversees several programs that help Maryland residents improve energy efficiency in their homes. These include the BeSMART Home Loan Program, the EmPOWER Maryland Low-Income Energy Efficiency Program, the Enhanced Weatherization Program, and the Weatherization Assistance Program.

BeSMART Home Loan Program. This program offers innovative financing to improve home energy efficiency, save the homeowner money, increase the safety and comfort of the home, and add value to the home. Homeowners choose their weatherization and energy efficiency professionals from a list of eligible providers whose qualifications have been reviewed by the Department. This program has no income limits.

EmPOWER Maryland Low-Income Energy Efficiency Program. The program helps low-income households make energy efficiency repairs and upgrades free of charge. Program participants must meet income qualifications and have a utility account with one of five participating utility companies in Maryland.

Enhanced Weatherization Program. This program provides grants to eligible homeowners for energy efficiency repairs and improvements. To participate, homeowners must meet income qualifications and be the occupant of the home. The property must be located outside Baltimore City, and the homeowner must have a utility account with Baltimore Gas & Electric.

Weatherization Assistance Program. Formerly under the Department of Human Resources, this program became part of the Department of Housing and Community Development in 1987 (Chapter 311, Acts of 1987).

The Program funds local community service organizations to help eligible low-income households conserve energy by weatherizing their houses. Priority is given to homeowners who are elderly, disabled, or have children. Renters also may apply. The Program contracts with seventeen local administering agencies (county governments, community action agencies, offices on aging, and nonprofit organizations) to provide weatherization assistance statewide.

Since 1991, the Weatherization Assistance Program has entered into agreements with major utility companies in Maryland to promote energy conservation through weatherization in low-income households. By joining these private funds with federal funds, more low-income households can be served.



7800 Harkins Road, Lanham, MD 20706

In 1995, the Division of Neighborhood Revitalization started as the Office of Neighborhood Revitalization. It received its present name in 1996.

The Division provides technical assistance, as well as grants and loans, to local governments, small developers, and nonprofit organizations. This aid secures and preserves affordable housing, and provide community services to Marylanders of low and moderate income (Code Housing & Community Development Article, secs. 6-101 through 6-103).

Work of the Division is organized under five offices: Administration and Policy, Cummunity Access and Partnership, Community Development Programs, Community Services Programs, and State Revitalization Programs.


The Office of Administration and Policy oversees three units: Administration and Management, Community Access and Partnership, and State Revitalization Programs.

Within the Division of Neighborhood Revitalization, the Office of Community Access and Partnership first organized in 2003 as the Office of Regional Assistance. It reformed as the Office of Programs and Regional Development in 2006, and the Office of Community Programs in 2008. The Office reorganized in April 2015 as Office of Community Access and Partnership.

The Office of Community Access and Partnership is responsible for the Community Investment Tax Credit, the Endow Maryland Tax Credit, Keep Maryland Beautiful, Main Street Maryland, and certain operating assistance grants.

Community Investment Tax Credit Program. This program supports 501(c)(3) nonprofit organizations through allocations of State tax credits for use as incentives that encourage individuals and businesses to donate money, goods, or real property to support operational and programmatic costs associated with specific approved projects delivering services to communities across Maryland. Businesses and individuals that donate to a qualified organization's approval project can earn tax credits equal to 50% of the value of the money, goods or real property contribution. These tax credits are in addition to the charitable contribution deductions on both federal and State taxes.

Main Street Maryland. This is a comprehensive downtown revitalization program created in 1998 to strengthen the economic potential of Maryland's traditional main streets and neighborhoods. Using a competitive process, Main Street Maryland selects communities that have demonstrated a commitment to revitalization and redevelopment, and provide access to resources and expertise to improve the economy, appearance, and image of their traditional downtown business districts.


This program began in December 1996. For housing rehabilitation, commercial revitalization, economic development, infrastructure improvements, and public services, the Program provides grants to rural local governments. It assists low- and moderate-income households, removes slums and blight, and promotes State and local partnerships for development and revitalization.

Maryland Town Manager Circuit Rider Grant. The Grant enhances the management capacity of small town governments by providing grants which allow them to hire public management professionals. Small municipalities, counties, and regional governmental organizations form a consortium to sponsor a circuit and hire a professional administrator who serves, on a part-time basis, several towns in the same area and provides expertise in public administration, financial management, planning, and community development.

Strategic Demolition Fund. The Fund assists local governments and nonprofit community development organizations with revitalization and redevelopment by supporting: demolition of derelict structures; site acquisition and assembly to create redevelopment-sized parcels for solicitation or planned development; site development; and construction-level architectural and engineering designs. Projects must be located in one of Maryland's designated Sustainable Communities. Moreover, the Fund prioritizes those projects that will have the highest economic and revitalization impact.

Technical Assistance Grants Program. This program provides funding to nonprofit organizations, local governments, local development agencies, and local development corporations for advisory, consultative, training, information and other services to support community development. Eligible project costs include, but are not limitied to, those costs associated with consultants or services, a portion of general operating expenses, and other costs directly linked to community development.

To alleviate hunger in Maryland, the Office also provides grants through this federal program to agencies that operate nutrition programs.


Formerly in the Department of Human Resources, the Office of Community Services Programs moved to the Department of Housing and Community Development in 1987. Grants are awarded for administration and programs to local agencies that serve the poor. These funds currently are allocated to seventeen community action agencies and two limited-purpose agencies operating in the State.

Under the Department of Human Resources, Homeless Initiatives began in 1984 as the Homeless Services Program (Chapter 777, Acts of 1984). Services to end hunger and homelessness in Maryland in 1997 became the responsibility of the Office of Transitional Services, under the Department's Community Services Administration. In April 2008, the Office of Transitional Services was replaced by the Office of Grants Management. Through the Shelter, Nutrition, and Service Program, services for the homeless continued to be administered by that office until July 2012. At that time, the Office of Grants Management was renamed the Bureau of Grants Management and transferred to the Family Investment Administration. In May 2014, the Bureau of Grants Management reorganized into two bureaus: Homeless Services, and Special Grants. In July 2017, the Bureau of Homeless Services transferred from the Department of Human Resources to the Division of Neighborhood Revitalization in the Department of Housing and Community Development (Chapter 105, Acts of 2017). Shortly after that move, the Bureau was renamed Homeless Initiatives.

Coordinating statewide efforts to reduce the number of homeless persons in Maryland, Homeless Initiatives administers grants to homeless services providers. It also provides staff support to the Interagency Council on Homelessness.

Emergency Shelter Grant Program. For local governments and community action agencies, this program provides federal funds to support emergency and transitional homeless shelters and services for persons without housing.

The Office of Revitalization Resources is responsible for the Baltimore Regional Neighborhood Initiative; Community Legacy; Interagency Coordination; Maryland Storefront Improvement Program; Project Creating Opportunities for Renewal and Enterprise; Strategic Demolition Fund; and Sustainable Communities.


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