NATIONAL HOUSING TRUST FUND PROGRAM
Under the guidelines established by the U.S. Department of Housing and Urban Development (HUD), notice is hereby given that the Maryland Department of Housing and Community Development (DHCD) will hold a series of public hearings on the development and administration of the Housing Trust Fund program, a portion of the Consolidated Plan.
The Consolidated Plan is a five-year planning document required by HUD that sets out overall Statewide goals and priorities for housing, community development, and economic development activities. Special emphasis is given under the Plan to provide assistance for extremely low-, low, and moderate-income persons. In addition to being a planning document, the Consolidated Plan also serves as the State’s application to HUD for Community Development Block Grant (CDBG), HOME Investment Partnerships (HOME), Emergency Solutions Grants (ESG), Housing Opportunity With AIDS (HOPWA) and the Housing Trust Fund (HTF).
The National Housing Trust Fund (HTF) is a new affordable housing production program that will complement existing Federal, State and local efforts to increase and preserve the supply of decent, safe and sanitary affordable housing for extremely low-income (ELI) and very low-income households (VLI). The HTF was established under Title I of the Housing and Economic Recovery Act of 2008, Section 1131 (Public law 110-289). Section 1131 of HERA amended the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 (12 U.S.C. 4501 et seq.)(Act) to add a new section 1337, entitled “Affordable Housing Allocation” and a new section 1338, entitled “Housing Trust Fund.
HTF is a formula grant program, which is to be administered by States. On January 30, 2015, HUD published an Interim Program Rule (FR-5246-I-03). The interim rule provided the guidelines for States to implement HTF. The Department of Housing and Community Development (DHCD) is the entity that will administer the HTF for Maryland. Each year, HUD will allocate the amount made available for the HTF based on the formula established in the interim rule. On May 6, 2016 HUD announced that Maryland’s allocation for 2016 is $3,000,000 based on HUD’s formula allocation procedures. Grantees are required to use at least eighty (80) percent of each annual grant for rental housing; up to ten (10) percent for homeownership housing; and up to ten (10) percent for administrative and planning costs. HTF funds may be used for the production of affordable permanent housing through the acquisition, new construction, reconstruction and/or rehabilitation of housing. All HTF-assisted rental housing must meet a minimum affordability period of 30 years. All HTF-assisted homeownership housing must meet the minimum affordability period of 10, 20, or 30 years based on the amount of HTF investment in the unit.
It is to this purpose that we are holding public hearings – to gain input regarding how to develop and administer HTF. At this point, nothing has been written for the draft HTF program. These hearings are to gather initial input about what should be in the draft HTF program. It should be noted DHCD has written the Annual Plan, using the new online system using the data that HUD has provided and will submit the HTF as an amendment to the Annual Plan. Once the Housing Trust Fund portion of the Annual Plan is written it will be released for 30 days of public comment (including written comment) in mid-June, 2016. After the public has had several weeks to review the draft HTF Plan, a second set of hearings will be held in late June and early July. Additional comments, recommendations, and suggestions will be taken during these hearings (and during the full public comment period), with the final version of the HTF Plan submitted to HUD during the week of August 8, 2016.
The first set of hearings on the development of the draft Housing Trust Fund Plan will be held at the following dates, times, and places:
Tuesday, May 31, 2016, from 7:00 p.m. to 8:00 p.m.
Maryland Dept. of Housing and Community Development
7800 Harkins Road
Lanham, MD 20706
Wednesday, June 1, 2016, from 11:30 a.m. to 12:30 p.m.
Sollers Point Multipurpose Building
323 Sollers Point Road
Dundalk, MD 21222
Thursday, June 2, 2016, from 10:30 a.m. to 11:30 a.m.
Town of Denton
4 North 2nd Street
Denton, MD 21629
Friday, June 3, 2016, 2016, from 2:00 p.m. to 3:00 p.m.
Elgin Station Community Center
40 Elgin Boulevard
Hagerstown, MD 21740
All of the hearing rooms are accessible to persons with disabilities. Persons requiring a translator should request one at least three days prior to the hearing they plan to attend. Any questions or comments should be directed to the address, phone numbers, or e-mail listed below:
Mrs. Elaine Cornick, Director
Maryland Department of Housing and Community Development
7800 Harkins Road
Lanham, Maryland 20706
301-429-7777 or Maryland Relay for the Deaf at 1-800-735-2258.
On Wednesday, April 13, staff from the Maryland Department of Housing and Community Development and the Maryland Department of Planning toured East Baltimore to see the progress of state investments in blight elimination, affordable housing and creation of new community open spaces.
The tour was led by members of nonprofit East Baltimore Development Inc., an organization originally created in 2004 to manage the redevelopment of 88 acres north of the Johns Hopkins medical campus. The project, one of the largest community renewal efforts in the country, is an example of how public-private partnerships can spur private sector reinvestment while also being responsive to local resident housing and employment needs.
Recent investments by the department in housing rehabilitation and new construction have created over 200 units of affordable housing. This year’s investment of just over $1 million in Strategic Demolition Funds will help EBDI clear the final parcels needed to create Eager Park, a new linear community park which spans a three block area.
The area’s master developer, Forest City, has completed two commercial office buildings including 37,000 square feet of retail space. Additional projects completed include a 321 unit graduate student housing building and a K-8 community school. A Marriott Hotel and 50 single family housing units are under construction. Overall, the project has leveraged $500 million in public and private funds with major commitments from the state, Baltimore City, the Annie E. Casey Foundation, and Johns Hopkins Medicine.
For John Maneval, the Deputy Director of Multifamily & Business Lending Programs, the chance to go on this tour was an invaluable experience. Maneval said it had been a while since his last visit with EBDI, and was happy to see the amount of progress being made in East Baltimore.
“It was especially encouraging to see new and planned retail investment in the area,” Maneval said. “Our tour guides — Ray Skinner of EBDI and Scott Levitan of Forest City — were quite frank about the challenges associated with the overall redevelopment, and the bumps in the road they have encountered. The creation of Eager Park as a new anchor for continued development is a bold undertaking; it will be interesting to see if this significant new investment achieves its goal of jump-starting additional development.”
NEW CARROLLTON, Md. – For the Department of Housing and Community Development, partner organizations play a critical role in the agency’s success. On Friday, April 22, the Maryland Mortgage Program held its annual awards breakfast. The event honored the program’s top performing lender partners in 2015.
Since 2010, the awards breakfast has served as the department’s way of recognizing the partners that help advance the Maryland Mortgage Program. The honorees have gone above and beyond to utilize the department’s resources, and assist in achieving homeownership for all Maryland residents.
“Our partners are a vital part of our mission,” Secretary Kenneth C. Holt said. “Without them, we could not have provided 3,270 mortgage loans with a volume of $636 million in 2015 to residents in all of Maryland’s jurisdictions. We’re very proud of the work they’ve done, and want to express our deep appreciation.”
In addition to the awards program, Laurie Benner from the Maryland Association of Realtors, Burgess Kegan of Maryland Mortgage Bankers Association and Steve Gondol of Live Baltimore gave remarks. Three senior representatives from U.S. Bank, the master servicer of the Maryland Mortgage Program for nearly five years, flew from Ohio and Minnesota to attend the event. They presented an award for best loan packages to First Home Mortgage, highlighted processing improvements at the bank, and affirmed their commitment to the program.
The winners are:
Top Producing Lenders
First Home Mortgage Corporation – Accepted by Heidi Ford, Vice President, Secondary Marketing
First Home Mortgage led the way with the highest overall production.
George Mason Mortgage – Accepted by Sue Spinetta, Vice President, Product Management & Investor Relations
George Mason Mortgage, based in Virginia, has become a significant player in Maryland, and moved from third place to second by the end of 2015.
Howard Bank – Accepted by Jeff Albaugh, Senior Vice President
Howard Bank has been an approved lender with the Maryland Mortgage Program since 2013, and made it to the gold-tier productivity list in just one year.
Secretarial Recognition: Rising Star Award
Monarch Mortgage and Fitzgerald Financial, divisions of Monarch Bank – Accepted by Kirk Forman, Branch Manager
The Rising Star Award recognizes a remarkable leap in year-to-year performance. Monarch Bank has been an approved Maryland Mortgage Program lender for several years. In 2015, incentivized by the TriplePlay initiative, Monarch tripled their business with the program, moving from bronze to gold.
Best Utilization of Builder/Developer Incentive Program
Universal American Mortgage Company / Lennar Homes
Partner Match Programs allow borrowers to get additional down payment assistance from their employer, a builder or developer, or a community partner. For most products, the Maryland Mortgage Program will match the contribution up to $2,500 in the form of a zero percent loan on top of regular down payment assistance. Usage of these programs has been strong and steady with 302 partners. For the third year running, Lennar Homes and Universal American Mortgage Company are the top producing Builder/Developer Partner.
Staff Recognition Award: Best Processor
Erin Glackin of First Home Mortgage
Erin was chosen by the Maryland Mortgage Program’s underwriting and processing staff as the year’s best processor; her familiarity and comfort with the program make her loan packages a breeze to review!
ABINGDON, Md. (April 29, 2016) – Today, representatives from the Maryland Department of Housing and Community Development joined the U.S. Department of Housing and Urban Development, the Maryland Department of Disabilities, the Maryland Department of Health and Mental Hygiene, Harford County Housing and Community Development, and other partners for the grand opening of the Riverwoods at Tollgate community in Abingdon, Maryland’s first-ever Section 811 housing development.
A unique concept, housing developments that meet HUD Section 811 classification provide rental housing intended to better support low-income adults with disabilities. The Section 811 Supportive Housing for Persons with Disabilities program allows persons with disabilities to live as independently as possible in the community by subsidizing rental housing opportunities which provide access to appropriate supportive services.
Riverwoods at Tollgate will feature 13 two-bedroom units set aside for low-income persons with disabilities. Tenant referrals for these units will be accepted from the Department of Health and Mental Hygiene and the Department of Disabilities. The remaining 71 units will feature a mix of affordable and market rate apartments.
“I’m proud that the state of Maryland is part of this wonderful project that supports the ideals of fair housing — equal access and opportunity, inclusivity, diversity and independence, ” Secretary Kenneth C. Holt remarked on the vanguard effort.
Riverwoods at Tollgate is located in the rapidly growing Constant Friendship area of Abingdon. It is part of a larger mixed‐use development that is expected to include affordable housing for seniors and a 51,000 square foot commercial development. Residents of Riverwoods will enjoy convenient access to a wide variety of businesses within walking distance of the project, including grocery stores, a movie theater, banks, restaurants, and personal service establishments.
The department administered $971,787 in federal Low-Income Housing Tax Credits with an estimated equity value of $10 million, as well as $179,712 in Section 811 funding, the maximum allowable annual contract. Additional funding for this $19 million project was financed with an $8.2 million, FHA-insured, first mortgage from AGM Financial, a $300,000 HOME loan from Harford County and an estimated $674,381 in deferred developer fees. The development team was Osprey Property Company LLC, PaxEdwards LLC, and Harford Community Action Agency, Inc., and Habitat America will serve as property manager.
Osprey Property Company LLC recently received the Expanding Opportunities for Persons with Disabilities award from the Maryland Affordable Housing Coalition and the Department of Housing and Community Development for creating this community.
# # #
CONTACT: Sara Luell, Director of Communications, email@example.com, 301-429-7803
For the Maryland Department of Housing and Community Development, April is a month that holds special significance. The U.S. Department of Housing and Urban Development observes this month as Fair Housing Month in recognition of the April 1968 passage of the Fair Housing Act, a title within the Civil Rights Act of 1968. The following year, according to HUD, a gala was hosted in New York City in commemoration of the bill’s passage, and observation of this month has only grown since.
Nearly 50 years later, the establishment of the Fair Housing Act, and the annual recognition of Fair Housing Month, is as significant today as it was then. The theme for this year is “Fair Opportunity in Every Community.” At the department, that theme is particularly noteworthy because Maryland is as diverse in population as it is in the topography of the land itself. Maryland’s population, which has steadily risen over the years, has also seen growth in its minority population. Notably, in Charles County and Montgomery County, minorities — Asian, Hispanic and black — outnumber the white population. Prince George’s County is also the wealthiest majority-black county in the entire United States.
Recognizing the need for continual improvement, the department has many programs to help homeowners from all walks of life. The MD HOPE program assists homeowners facing foreclosure through quarterly workshops and the MD HOPE hotline offers year-round foreclosure assistance. In Baltimore City, Project C.O.R.E. — Creating Opportunities for Renewal and Enterprise — aims to make Maryland’s largest city a symbol of revitalization through blight removal and the eventual reconstruction and redevelopment of struggling areas in east and west Baltimore.
School children are participating in Fair Housing Month as well. Recently, Secretary Kenneth C. Holt represented Governor Larry Hogan at an awards ceremony for the Maryland Association of Realtors’ annual Fair Housing Poster Contest in the community reception room of the State House. Children from across the state displayed artwork depicting the theme “Dreams Come True With Fair Housing.”
“We were happy to partner with the Maryland Association of Realtors in teaching the importance of safe, healthy and happy communities as depicted in the wonderful artwork created by our young citizens,” said Secretary Holt.
“The commitment to ensuring fair housing and a high quality of life for all Marylanders doesn’t stop on April 30,” he added. “It’s something we strive to accomplish each and every day.”
Nearly 50 Baltimore Businesses Awarded Grants Via Governor’s Storefront Improvement Grant Program: $650,000 in Grant Awards Focus on Areas Affected by Civil Unrest
Snake Hill, located in the Highlandtown neighborhood in Southeast Baltimore, was the recipient of a Neighborhood Business Works loan. The exterior is an example of the type of work that will be funded through the Storefront Improvement program, such as expanded storefront windows, new doors, lighting, painting and signage.
BALTIMORE, MD – Today, the Maryland Department of Housing and Community Development announced the awardees of the Hogan administration’s Maryland Business Recovery Storefront Improvement Grant Program. The program aims to improve building and storefront exteriors, enhancing the visual appeal and marketability of individual buildings and commercial districts affected by the civil unrest in 2015.
In partnership with three nonprofit organizations, the program also includes architectural design and workforce development. The Neighborhood Design Center will help to coordinate architectural design services from firms that will provide “pro-bono” or low-cost architectural designs for businesses approved to participate in the Storefront Improvement Program. The Living Classrooms Foundation and Civic Works will hire and train unemployed and underemployed Baltimore City residents to renovate the storefront exteriors.
“The Storefront Improvement Grant Program will help commercial districts become more attractive places to shop and visit,” said Department Secretary Kenneth C. Holt. “This investment in Baltimore City supports small businesses, which are the engine that powers Maryland’s economy.”
The program received 145 applications requesting grant funds to improve more than 180 individual buildings. Of these, the 26 highest priority projects were chosen for award, which will result in exterior upgrades to nearly 50 businesses. Seventy-three percent of these buildings were in areas of concentrated damage after the civil unrest. Each storefront will receive up to $10,000 in improvements.
Award-winners include pharmacies, community centers, convenience stores, retail stores and other businesses in Fells Point, Highlandtown Main Street, Waverly Main street, Park Heights, Pennsylvania Avenue/West Baltimore, Downtown Baltimore, Southwest Baltimore and Pigtown. See attachment for full list of awardees.
Additional projects will be considered for the program when funds are allocated in the next fiscal year.
# # #
CONTACT: Sara Luell, Director of Communications, firstname.lastname@example.org, 301-429-7803
New Affiliate Program Helps State’s Smaller Towns and Communities Utilize Main Street Maryland Strategies
The Town of Snow Hill is one of the first communities in the state to apply for the new Main Street Affiliate program.
New Carrollton, MD – Designation as a Main Street Maryland community guarantees visitors an authentic taste of Maryland charm – historic architecture, boutique shops, theater, art galleries and one-of-a-kind dining. Twenty-eight carefully selected Maryland communities have qualified for the Main Street Maryland program and many more are clamoring to join.
Now there is an interim step.
The Maryland Department of Housing and Community Development is launching the Main Street Affiliate program to help smaller towns and communities develop downtown revitalization strategies of their own. The program means resource and technical support. For those who want it, affiliate status could be the first step to becoming a full-fledged Main Street Maryland community.
The affiliate program is designed to assist communities with economic development strategies that are at a variety of readiness levels, including:
- Communities that are in the early stages of preparing to submit an application for Main Street Maryland designation.
- Communities that may not be eligible for Main Street Maryland designation, but are interested in addressing local housing and community development challenges through the Main Street approach.
- Participation in the affiliate program helps downtown communities transform themselves by tapping into those assets that make them special using tested principles established by the National Main Street Center.
The Town of Perryville in northeastern Maryland and the Town of Snow Hill on the Eastern Shore are among the first to apply.
“This is an exciting opportunity for the Town of Perryville,” said Mary Ann Skilling, director of planning and zoning for the town that is nestled near the Susquehanna River. “Through the affiliate program, the town will be able to move forward with ideas and get assistance in creating a thriving commercial district to both retain and attract businesses.”
Applications to participate in the affiliate program are accepted on a rolling basis.
Click here for an application and to learn more about the benefits of the Main Street Affiliate program.
The Deputy Secretary spoke about the department’s role, mission, and programs with an emphasis on activity and programs in Baltimore City, including Project C.O.R.E.
Listen to the interview below or on YouTube.
Kelly Vaughn, the Director of Community Outreach for the Maryland Department of Housing and Community Development, has made it a mission to help Marylanders faced with foreclosure.
Vaughn recalled an incident in 2009, not long after she’d been to her first Mortgage Late? Don’t Wait! clinic in her capacity as the director. In her enthusiasm, she went out before the event and personally canvassed her neighborhood. Not long after the event, a neighbor called to let her know that another neighbor across the street was being evicted as they spoke. The landlord had failed to pay the mortgage on the home, leaving the tenants with nowhere to go. Witnessing that moment, Vaughn said, “made it real” for her.
Even now, as the market has started to stabilize, Maryland is still unfortunately disproportionately affected by high foreclosure rates. The Mortgage Late? Don’t Wait! clinics are among the best-attended of their kind nationally, and play a critical role in helping to keep Marylanders in their homes before it’s too late. In 2008, shortly after the housing crisis gripped the country, the Department of Housing and Community Development began the clinics — first at a county level and now with a regional focus and open to anyone. Vaughn noted the first one she attended in 2009 had more than 1,000 people present. More recently, as the market has become more stable, the clinics have attracted between 200 and 500 people.
Partnerships with federal and local organizations, like the Department of Housing and Urban Development, have been crucial to making these events successful. People who participate view Mortgage Late? Don’t Wait! as a trusted brand, Vaughn said. The day features presentations on everything from how to avoid fraud for both renters and homeowners to how to navigate through the mediation process. Attendees also receive one-on-one attention in the form of a chance to sit down with professionals and consult with them on how to remedy these situations.
“Our loan servicers, pro bono attorneys and housing counselors play a critical role here” in making the events as popular and successful as they have been, Vaughn said. “I look at it as … a road map to navigate through the waters of foreclosure. Homeowners didn’t get into their current situation overnight. The message is we want them to know they have options. We’ve continually heard that they find these valuable, and if they had to go through this alone, they’d probably give up. … They need hope, and this administration does care. They’re not in this alone.”
This year’s first Mortgage Late? Don’t Wait! clinic will be held on April 16 in Baltimore County. The event is free to attend, and online registration closes on April 14. Register here.
Two more clinics will be held: one in June in Prince George’s County at the Prince George’s Sports and Learning Complex and third in September in Charles County at the College of Southern Maryland’s La Plata campus. For more information, visit mdhope.org.
Maryland’s Newest Sustainable Communities Put Spotlight on State’s Diversity, History, Quality of Life
Main Street in the Town of North East is an example of the fine quality of life available in Maryland’s sustainable communities.
New Carrollton, MD – Maryland’s newest sustainable communities are as diverse as the state itself.
Cecil County, on the state’s Eastern Shore, boasts two of the newest additions: the town of Rising Sun and the town of North East. Both are rich with historical landmarks, natural beauty and plenty of modern amenities that seamlessly combine both the new and old. Visitors to North East, for example, can learn more about the town’s rich history as a significant spot for watermen on the Chesapeake Bay by visiting the Upper Bay Museum. Rising Sun was originally considered part of Pennsylvania, but in 1760, with the advent of the Mason-Dixon line, the town was found to sit below the line and thus part of Maryland.
Elsewhere along the Chesapeake, the town of Rock Hall, in Kent County, once served as a port for tobacco and other agriculture and was visited by some of the country’s Founding Fathers. These days, the town is a favorite of boaters and fishermen as well as people simply hoping to spend some time taking in the area’s natural beauty.
Oxon Hill, located in Prince George’s County, boasts the National Harbor, which is quickly becoming one of the most popular spots in the state for dining, recreation and shopping and cultural events. Closer to Baltimore, Carroll County’s town of Hampstead was originally a small farming town bisected by the Western Maryland Railroads. These days, it’s a modestly sized town with a thriving main street.
Cecil County – Town of Rising Sun
Built around the tavern, “Rising Sun,” the Town of Rising Sun has since expanded into a bustling historic district. The town is already home to green spaces such as Veteran’s Park, Triangle Dog Park, and Diddie Richardson Park. The area also boasts multiple large community events, such as Sunfest, Spooktacular, and a Color Run. With these assets, the Town of the Rising Sun is in a good position to encourage and increase area pedestrian and bike connectivity and recreational opportunities. The town is not only seeking designation as an Arts and Entertainment district, but is also planning to improve streetscaping to promote town unity and a greater sense of place. The Town plans to identify additional opportunities for parking downtown, promote property rehabilitation programs for both small businesses and home owners. To help promote environmental sustainability, the Town has a strategy to minimize water pollution in the Octoraro Creek Watershed.
Cecil County – Town of North East
The Town of North East is conveniently located near several parks and recreation sites, such as Elk Neck State Park, Turner Park, and Herring Snatcher Park. With support from State programs, the Town plans to bring in more small businesses and attract more homeowners. The town is seeking to address pedestrian safety concerns by identifying and reconstructing sidewalks with large unsafe gaps, and also putting in new street lights in previously unlit areas. The town also plans to create opportunities for small businesses to grow and thrive with tenant fit out and façade improvement programs. For the residential community, the Town would like to see an increase in the rehabilitation of older homes to attract more homebuyers. The Town of North East is also looking to continue to support its parks and green spaces through capital investments, improved stormwater management practices, green streets, and rain gardens.
Kent County – Town of Rock Hall
The Town of Rock Hall, referred to as “The Pearl of the Chesapeake, is an active waterfront community on the Chesapeake Bay. The Town is located along the Chesapeake Scenic Byway and also boasts a historic, pedestrian friendly Main Street. The Town of Rock Hall’s plans are aimed at increasing tourism, revitalizing Main Street, and attracting homeowners. Specifically, the Town would like to establish a façade improvement program, increase parking in downtown, and repair sidewalks to improve pedestrian connectivity between the historic Main Street and popular waterfront. Coupled with plans to organize more community events, these activities aim to support small businesses in the area. The Town would also like to encourage the rehabilitation of older, aging housing stock while preserving affordability for its residents.
Carroll County – Town of Hampstead
The Town of Hampstead is seeking to improve its historic Main Street. To support small businesses, reduce vacancies and beautify the Main Street, the town plans to establish façade improvement and tenant fit out programs. Furthermore, the town plans to add additional parking sites to accommodate commercial activities. The town will also address issues of pedestrian safety by repairing sidewalks and adding light fixtures. To promote home ownership and energy efficiency, the town plans to encourage the use of weatherization grant programs in older homes. The town will also move to become more environmentally friendly through stormwater management programs, such as rain garden planting.
Prince-George’s County – Glassmanor-Oxon Hill
The Glassmanor-Oxon Hill community has significant plans to improve the quality of life in the area. These plans aim to improve various issues such as public safety, water quality and access to healthy food options. Plans for low impact development and green infrastructure will help manage stormwater runoff and improve the quality of water. Furthermore, efforts to reduce the amount of litter and illegal dumping in the Winkle Doodle Channel will reduce water pollution. To improve access to healthy food options, the Town plans to plant gardens near and on school grounds. The Town also aims to improve public safety through increased lighting and other environmental design techniques, providing bicycle facilities, increasing pedestrian walkways, and upgrading crosswalks. Plans for commercial revitalization include improving building facades and public spaces.
- Department of Housing and Community Development Supports First Section 811 Project in Maryland
- Nearly 50 Baltimore Businesses Awarded Grants Via Governor’s Storefront Improvement Grant Program: $650,000 in Grant Awards Focus on Areas Affected by Civil Unrest
- Maryland Mortgage Program Sales Increase by 120 Percent in 2015
- Governor Hogan, Mayor Rawlings-Blake Partner Address Blight in Baltimore City, Announce State Project
- Hogan Administration to Invest More than $11 Million to Help Revitalize Downtowns, Strengthen Communities
Follow us on TwitterMy Tweets
Abell Foundation Affordable Housing Affordable Rental Housing Appliances Arts Incubator Baltimore Baltimore Regional Neighborhoods Initiative BARCO Be SMART Community Development Week Community Legacy Cooling Tips Customer Service DBED DHCD Economic Development Week Elkton Energy Efficiency Energy Saver energy star first time homebuyers food deserts Goldseker Foundation Governor Hogan Greenbuild Home improvements Homeowners Homeownership HUD Insulation Main Street Improvement Assistance Program Main Street Maryland Makerspace Maryland Film Festival Maryland Housing Conference Neighborhood Revitalization Net Zero Nonprofit Assistance Fund NSP3 Open Works Phantom Electricity Prince George's County Project CORE Robert W. Deutsch Foundation Save Money small business lending Station North Technical Assistance Grant water heater water sense