Skip to Main Content

Newsroom

LEGAL NOTICE: Updating Maryland’s Annual Plan

Legal Notice
Updating Maryland’s Annual Plan

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 (the Department) will hold a series of public hearings to develop its new draft Annual Plan update of the State’s 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), National Housing Trust Fund (HTF), and Housing Opportunity for Persons With HIV/AIDS (HOPWA). These funds are used primarily in the State’s rural areas, as many communities, including Anne Arundel, Baltimore, Harford, Howard, Montgomery, and Prince George’s Counties, as well as the Cities of Annapolis, Baltimore, Bowie, Cumberland, Frederick, Gaithersburg, Hagerstown and Salisbury receive their own funding directly from HUD. The Department expects to receive about $6.2 million in HOME funding, $7.7 million in CDBG funding, $1 million in ESG funding, $1.8 million in HOPWA funding and $3.5 million in HTF funding FFY 2019.In addition to the above, it should also be noted that the Consolidated Plan also makes it possible for the Department, public housing authorities, local governments, nonprofit organizations, community action agencies and others to apply for funding under HUD’s competitive grant programs. Local public housing authority Plans must be consistent with the State’s Consolidated Plan, and USDA Farmer’s Home housing programs and Federal Low-Income Housing Tax Credits are also coordinated with the Plan. Lastly, while not directly covered by the Consolidated Plan, HUD funding allocations for the Section 8 Certificate and Voucher programs may be made in a way that enables jurisdictions to carry out their Consolidated Plan.

In developing its five-year Plan, the State determined it would focus its resources on four main priorities: Revitalizing Communities, Expanding the Supply of Decent Affordable Housing, Providing Homeownership Opportunities, and Reducing Homelessness. The Annual Plan update (which will be for the fifth year of the current Five Year Plan) will establish one-year goals for these priorities. It is to this purpose that we are holding public hearings – to gain input regarding how to carry out these goals in the coming year.

At this point, nothing has been written for the draft Annual Plan update. These hearings are to gather initial input about what should be in the draft Annual Plan. It should be noted that HUD has changed the Annual Plan from a written document to a largely online tool using pre-filled data. The Department will then write a draft Annual Plan, using the new online system using the data that HUD has provided, which will be released for 30 days of public comment (including written comment) at or around the middle of May 2019. After the public has had several weeks to review the draft Annual Plan, a second set of hearings will be held beginning around the second week in June. Additional comments, recommendations, and suggestions will be taken during these hearings (and during the full public comment period), with the final version of the Annual Plan submitted to HUD on or around June 29, 2019.

The first set of hearings on the development of the draft Annual Plan will be held at the following dates, times, and places:

Tuesday, February 26, 2019 at 7:00 p.m.
Towson Library
320 York Road
Wilson Room
Towson, Maryland 21204

Wednesday, March 6, 2019 at 11:30 a.m.
Caroline County Central Library
100 Market Street
Small Meeting Room
Denton, Maryland 21629

Thursday, March 7, 2019 at 10:30 a.m.
Fairview Branch Library
Small Meeting Room
Rt. 4 and Chaneyville Road
Owings, Maryland 20736

Friday, March 8, 2018 at 1:30 p.m.
Allegany County Office Complex
701 Kelly Road
Potomac Room 230
Cumberland, Maryland 21502

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 me at the address, phone numbers, or e-mail listed below:

Ms. Ja’Nai C. Streat
Senior Housing Policy Analyst
Maryland Department of Housing and Community Development
7800 Harkins Road
Lanham, Maryland 20706
(301) 429-7445 or Maryland Relay for the Deaf at 1 (800) 735-2258
janai.streat@maryland.gov

# # #



DHCD to Host Business Lending Information Session March 21


Baltimore business owners and entrepreneurs, join us on Thursday, March 21 from 9:30 a.m.-1 p.m. at Horseshoe Casino to learn how DHCD can assist your existing or prospective business and how successful business districts help community growth.

To register for the event, click here.

 

 

 

 

 

 

 

 

 



DHCD wraps up another successful Maryland Charity Campaign

One thing that’s certain is the staff at the Maryland Department of Housing and Community Development is incredibly giving. Each year, our team turns out in droves to support the annual Maryland Charity Campaign, and 2018 was no different. This most recent campaign featured new events, highlighted our talented and generous team, and raised more than $50,000 for MCC-eligible charities.

Our 2017 and 2018 campaign numbers are the best indicator of DHCD’s giving spirit. Between the 2015 and 2016 MCC seasons, we raised $59,355. Over the last two campaigns, that number increased by more than 80 percent for a collective $106,940. Events from this year supported a broad array of nonprofit organizations, ranging from Extra-Ordinary Birthdays, which provides birthday parties for homeless children, to Project Healing Waters Fly Fishing, a group that works with wounded servicemen and women.

From just our events, we raised more than $5,400; our small-but-mighty Cambridge office raised nearly $1,100 alone! Popular events like Jersey Mondays and the Hot Dog Lunch Halloween Party returned for another year as well. At the Lanham office, for the annual basket raffle, a talented team from the Division of Credit Assurance and the Division of Finance and Administration contributed a stunning Maryland-themed quilt that ultimately raised $155 for Associated Black Charities.

Perhaps the most anticipated part of the last three campaigns has been seeing what Secretary Ken Holt and Department of General Services Secretary Ellington Churchill have cooked up for an annual video and inter-departmental challenge. They’ve been gangsters and dancers in videos past, and this year opted for a Blues Brothers meets Peter, Paul, and Mary musical outfit that they led. Each agency also held their own talent show, with DHCD’s closing out the campaign. Whatever the 2019 MCC holds in store, one thing is certain: the DHCD team will rise to the occasion once more.



Governor Larry Hogan Announces Maryland Opportunity Zone Expansion

For immediate release:
January 3, 2019
Contact:
Shareese Churchill shareese.churchill@maryland.gov
410-974-2316

Governor Larry Hogan Announces Maryland Opportunity Zone Expansion
Launches Maryland Opportunity Zone Task Force and Website, Will Introduce Legislation and Expand Workforce Development

ANNAPOLIS, MD – Governor Larry Hogan today announced a series of initiatives and legislation to further expand the thriving Maryland Opportunity Zone program. A total of $56.5 million will be dedicated to attracting new businesses and development and continuing to invest in Maryland’s workforce. The governor made the announcement at Walbrook Mill – a 41,000 square-foot active construction site located in a designated Opportunity Zone in Baltimore City, and future home of 140 apartments and townhomes, retail and commercial space, warehouse, and light industrial usage on North Avenue. Governor Hogan was joined by Lt. Governor Boyd K. Rutherford, Baltimore City Mayor Catherine Pugh, Department of Commerce Secretary Kelly M. Schulz, Department of Housing Secretary Kenneth C. Holt, Acting Department of Labor Secretary James Rzepkowski, as well as numerous other state and local leaders and community members.

“Today’s important Opportunity Zone announcements strengthen our focus on and steadfast commitment to renewing hope and opportunity in every corner of our state,” said Governor Hogan. “These initiatives will foster an environment of economic opportunity to create thousands of new Maryland jobs and to transform and revitalize the cities, towns, and local communities that need our help the most.”

In addition, the governor signed Executive Order 01.01.2019.01, which creates the Maryland Opportunity Zone Leadership Task Force. The task force, chaired by Lt. Governor Rutherford, will host regional summits throughout the state for local stakeholders to share information and discuss possibilities for Opportunity Zones. The task force will develop a State Opportunity Plan to align Opportunity Zone goals with state economic and cultural priorities, which will include partnering with local governments to effectively leverage local assets to fast-track investment and development.

“I would like to thank Governor Hogan for the opportunity – no pun intended – to lead the Maryland Opportunity Zone Leadership Task Force,” said Lt. Governor Rutherford. “The governor’s leadership and vision has made the revitalization of our most vulnerable communities a top priority for the state. This is an exciting endeavor, one which I believe will truly make a difference in those communities that need our assistance the most.”

Governor Hogan also announced that the administration will introduce the More Opportunities for Marylanders Act of 2019 to extend a 10-year tax credit for each new job created by a company that locates or expands in a Maryland Opportunity Zone. These companies will also be eligible for an additional $6 million in tax credits, have 100 percent of their state property taxes exempted, and have all business recording, filing, or special fees waived.

Maryland’s nationally recognized EARN workforce development grant program will now focus directly on the state’s 149 Opportunity Zones with a new investment of $3 million to establish “Opportunity Works” – a job training program specifically for businesses that are located in Opportunity Zones. Through Opportunity Works, the Maryland Department of Labor will issue competitive grants for qualified businesses to provide workforce training programs that result in a credential or identifiable skill, or job readiness and skill training.

“Among our highest priorities is attracting new investment in neighborhoods and areas of our cities that have been long-neglected but represent enormous potential for the future of our City and their residents,” said Mayor Catherine E. Pugh. “The designation of our 42 census tracts across our City as Opportunity Zones is a critical part of our strategy to move Baltimore forward by lifting the prospects of these communities and creating real and sustainable opportunity for both citizens and entrepreneurs.”

The Hogan administration will also introduce legislation and invest $16 million to create the Maryland Technology Infrastructure Fund. This transformative new fund will be housed and staffed through Maryland’s innovation arm – Technology Development Corporation (TEDCO), an independent governing board tasked with creating a long-term strategic vision and implementation plan to leverage more than $500 million in planned investment over the next decade.

The Maryland Department of Housing and Community Development will make several funding sources available to support projects in Opportunity Zones, including $20 million for Rental Housing Works for the construction and renovation of affordable housing, $8 million for small business lending through the Neighborhood BusinessWorks program, and $3.5 million for the statewide Strategic Demolition Fund to support site acquisition and demolition of derelict buildings and redevelopment to spur economic and community revitalization.

Finally, Governor Hogan announced the launch of the Maryland Opportunity Zone Information Exchange, an online resource designed to attract capital to projects and businesses. Developed by the Maryland Department of Housing and Community Development, this is the first comprehensive, interactive resource of its kind in the nation. The Exchange will serve as a virtual meeting place for investors, fund managers, property developers, new or expanding businesses, and local stakeholders. Open to the public, anyone can search and find the latest on Maryland’s Opportunity Zones through the Information Exchange.

“All of these efforts are ushering in a new era of revitalization and economic growth in Maryland as we are engaging with and listening to community leaders and key stakeholders in order to respond to the unique needs of communities from one corner of our state to the other,” said Governor Hogan. “We are working with all levels of government – our federal, state, county, and municipal partners – to find even more ways to transform communities, encourage investment, and spur revitalization and redevelopment.”

For more information about Opportunity Zones and to visit the Maryland Opportunity Zone Information Exchange, visit http://dhcd.maryland.gov/OpportunityZones.

Executive Order 01.01.2019.01

-###-



GIVE Maryland: Giving Thanks, Giving Back and Supporting Maryland’s Local Nonprofits

Rebuilding Together Montgomery County utilizes GIVE Maryland donations to work with community partners to provides low-income homeowners with no-cost home repairs, energy efficiency upgrades, and accessibility modifications.

Rebuilding Together Montgomery County utilizes GIVE Maryland donations to work with community partners to provides low-income homeowners with no-cost home repairs, energy efficiency upgrades, and accessibility modifications.

As families across the state prepare to give thanks, Maryland’s nonprofits are also gearing up to celebrate and encourage giving through Giving Tuesday (#GivingTuesday). Now in its seventh year, Giving Tuesday is celebrated on the Tuesday following Thanksgiving. This year, November 27 will kick off the charitable season, when many begin to focus on their holiday and end-of-year giving. #GivingTuesday has become a movement that encourages and supports giving and philanthropy with events throughout the year and a growing catalog of resources.

In an effort to provide Marylander’s more opportunities to connect with nonprofits in their communities, the Maryland Department of Housing and Community Development created GIVE Maryland. The website links donors to the 501(c)(3) nonprofit organizations that have been awarded Community Investment Tax Credits by the Maryland Department of Housing and Community Development for use as incentives to attract contributions to benefit local projects and services. Individuals and businesses who donate $500 or more to an approved project can earn state tax credits equal to 50% of the value of the contribution.

GIVE Maryland gives individuals and businesses the opportunity to tailor their contributions based on their interests and to search for and donate online to nonprofits that have available tax credits and are working in their own communities.

“We are committed to Governor Hogan’s directive to recognize, promote, and encourage Marylanders to give back to their communities,” said Maryland Department of Housing and Community Development Secretary Kenneth C. Holt. “GIVE Maryland makes charitable giving simpler and easier and strengthens our efforts to revitalize Maryland neighborhoods.”

This November 27, join #GivingTuesday and GIVE Maryland to make a difference in your community.



Create New Traditions in Your New Home with SmartBuy 2.0 and the Maryland Mortgage Program

As we say goodbye to summer and usher in the cooler months of fall, we also prepare ourselves for the traditions of the season. For some, those traditions are apple picking, hay rides, and gatherings with family and friends, while others may dream of starting brand new traditions in a new home this fall. However, many people do not believe they can make their dream of homeownership a reality due to student loans. Are your student loans holding you back from owning a home? If so, maybe Maryland SmartBuy can help.

What is Maryland SmartBuy 2.0?
Maryland SmartBuy 2.0 helps homebuyers with qualifying student debt purchase a home. If you have existing student debt with a minimum balance of $1,000, Maryland SmartBuy financing provides up to 15% of the home purchase price to pay off your outstanding student debt, up to a maximum program benefit of $40,000. With this revolutionary program, home buyers can choose from any eligible home available for purchase in Maryland that meets the Maryland Mortgage Program guidelines.

Am I eligible for SmartBuy 2.0?
The full student debt must be paid off at the time of the home purchase, and homebuyers must meet all eligibility requirements for the Maryland Mortgage program. However, if there are multiple borrowers on the loan, only one of the borrowers needs to completely pay off their student debt using the SmartBuy forgivable second loan.

Additionally, SmartBuy participants must live in the home for at least five years to fully achieve the loan forgiveness benefit.

How to Apply?
If you think that Maryland SmartBuy can help you achieve homeownership, don’t delay! Funding for the program is limited. Homebuyers are required to use an approved Maryland SmartBuy lender. Start creating new traditions in your new home today by contacting a lender!



Main Street Maryland Program Celebrates 20 Years of Economic Investment in Maryland’s Historic Business Districts

Main Street Maryland Program Celebrates 20 Years of Economic Investment in Maryland’s Historic Business Districts
Two new communities designated, bringing statewide total to 30 Main Streets

LAUREL, MD (October 24, 2018) – The State of Maryland today celebrated the 20th anniversary of its Main Street Maryland program by announcing two new designated communities: the Town of New Market and the City of Laurel, at an event held in downtown Laurel. Created in 1998 and managed by the Maryland Department of Housing and Community Development, the Main Street Maryland program builds partnerships with local governments, nonprofits, and businesses to strengthen the economic development potential in Maryland’s historic downtown districts and neighborhoods.

“Main Street Maryland communities represent the very best of what our state has to offer,” said Governor Larry Hogan. “I encourage our citizens and visitors alike to celebrate and enjoy our great state by planning a trip to one of these vibrant Main Streets and enjoying the unique shops, activities, and restaurants available in each community.”

As the state coordinating program of the National Main Street Center, Main Street Maryland is part of a national network of 42 state programs across the country and is authorized to bestow official, nationally-recognized, Main Street designations for communities in Maryland. The City of Laurel is the first designated Maryland Main Street in Prince George’s County. The Town of New Market is the fifth Main Street community to be designated in Frederick County, making it the county with the most designated Main Streets. With these two designations, Main Street Maryland has now designated 30 communities statewide, supporting the locally-owned shops and restaurants, exciting events and festivals, and a variety of activities that provide an authentic Maryland experience for residents and visitors.

“We are pleased to announce New Market and Laurel as our newest, designated Main Street Maryland communities and help them celebrate this special mark of distinction,” said Maryland Department of Housing and Community Development Secretary Kenneth C. Holt. “The Main Street Maryland designation is effectively a seal of approval, recognizing that participating local governments and stakeholders are part of a statewide effort to improve the local economy, celebrate community character, preserve local history, and generate impressive economic returns.”

To date, neighborhood revitalization and redevelopment activities in designated Main Street Maryland communities have supported approximately 2,800 new and expanding businesses; created more than 10,000 jobs; leveraged nearly $305 million in private investment for nearly 3,900 projects, as well as nearly $210 million in public investment for more than 1,200 projects, and; sponsored almost 700,000 hours of volunteer work with a wage value of more than $19 million.

For more information about Main Street Maryland and the state’s 30 designated Main Streets, visit: http://www.mainstreetmaryland.org/.

# # #

MEDIA CONTACT: Sara Luell, Director of Communications, sara.luell@maryland.gov, 301-429-7803

 

 



Hogan Administration Announces Community Legacy Grants

For immediate release:
October 24, 2018
Contact:
Shareese Churchill shareese.churchill@maryland.gov
410-974-2316

Hogan Administration Announces Community Legacy Grants
Neighborhood revitalization program awards $8 million to 79 projects statewide

ANNAPOLIS, MD – Governor Larry Hogan today announced $8 million in Fiscal Year 2019 grant awards through the Community Legacy program managed by the Maryland Department of Housing and Community Development. These grants will support 79 neighborhood revitalization and redevelopment projects in 22 jurisdictions across Maryland.

“Our administration is committed to supporting revitalization and local development projects across the state,” said Governor Hogan. “These investments energize our communities, boost our economy, and improve Marylanders’ quality of life. Together, we’re changing our communities – and Maryland – for the better.”

The Community Legacy program has awarded more than $33 million in grants for important projects across Maryland since the start of the Hogan administration. This program is one of Maryland’s most versatile revitalization programs and supports a wide variety of revitalization and redevelopment goals, including: business creation, expansion, and retention; streetscape improvements; homeownership and home rehabilitation incentives; commercial improvement programs; mixed-use development and community facilities; and cultural and recreational space.

Fiscal Year 2019 Community Legacy projects include:

  • A small business improvement program in Ocean City;
  • Streetscape and walkway improvements to Poplar Street in Myersville in Frederick County;
  • A home repair and rehabilitation program in Montgomery County;
  • Façade improvement programs in 22 communities including Mount Airy and Westminster in Carroll County, Oakland in Garrett County, Chestertown and Galena in Kent County, and Leonardtown in St. Mary’s County;
  • Roof repairs as part of the ongoing historic renovation project to create the Baltimore Food Hub in the Broadway East neighborhood of Baltimore; and
  • Interior restoration of the Allegany Museum in Cumberland.

“Community Legacy grants often serve as a catalyst to leverage additional public, private, and nonprofit investment for these vital projects,” said Maryland Department of Housing and Community Development Secretary Kenneth C. Holt. “We will continue to partner with local stakeholders and support their efforts to enhance the economic vitality, beauty, culture, and livability of Maryland’s neighborhoods.”

With this announcement of Community Legacy funding, the Hogan administration has announced more than $38 million for neighborhood revitalization in Fiscal Year 2019. In total, more than $275 million in neighborhood revitalization investment has been provided during the last four years for local parks, homelessness services, supporting small businesses, removing blight, and other community improvements in every jurisdiction in the state.

For a full list of Community Legacy award winners, visit https://dhcd.maryland.gov/Communities/Documents/cl/CommunityLegacyFY19.pdf.

###



New Beginnings Start Here

New beginnings aren’t just reserved for new year’s resolutions or spring cleaning. The beginning of something new — whether it’s starting a new job, starting a family, exploring a new neighborhood, or purchasing a new home — is always an exciting time and deserves to be celebrated!

If you’re a first-time homebuyer, the Maryland Mortgage Program (MMP) can help make purchasing your first home a reality. Many first-time homebuyers have questions about financing and are skeptical to even start their journey to a new beginning to make homeownership a reality. A new beginning starts with answering these questions:

  • Where do I want to live?
  • What style of home do I want?
  • How much home can I afford?
  • How can I possibly afford the down payment?

MMP has solutions, education, and assistance to help navigate the homebuying process. Our unique programs and incentives include grants, down payment assistance, and 30 year fixed rate loans. It also includes customized assistance with the loan application process by working with one of our 80+ Maryland Mortgage Program approved lenders. Loan officers walk you step-by-step through the homebuying process, removing the burden and uncertainty of figuring out exactly what you qualify for and how to properly complete and submit paperwork.

New beginnings start with the Maryland Mortgage Program. Click here to get started!



Legal Notice – Notice of DRAFT Performance Report Update and Comment Period on the State of Maryland’s Consolidated Plan (CAPER)

Legal Notice – Notice of DRAFT Performance Report Update and Comment Period on the State of Maryland’s Consolidated Plan (CAPER)

Notice is hereby given that the State of Maryland has opened a 30 day public comment period on the draft Consolidated Plan Annual Performance and Evaluation Report (CAPER).

The Consolidated Plan is a planning document required by the U.S. Department of Housing and Urban Development (HUD) and is prepared by the Maryland Department of Housing and Community Development (DHCD). It covers a five year period (July 1, 2015-June 30, 2019) and is designed to coordinate Federal, and to a lesser extent State, resources to provide decent housing, economic opportunities, and an acceptable living environment for Maryland’s citizens. The Plan is updated every year during the five year period through an Annual Action Plan, and includes a series of one year goals toward meeting the overall five year goals of the Plan.

Maryland’s Consolidated Plan covers the state’s non-entitlement jurisdictions. Entitlement jurisdictions – those that receive funding directly from HUD, including Anne Arundel, Baltimore, Harford, Howard, Montgomery and Prince George’s Counties, and the Cities of Annapolis, Baltimore, Bowie, Cumberland, Frederick, Gaithersburg, Hagerstown, and Salisbury – prepare their own Consolidated Plans and are not covered by the State plan.

As part of the Consolidated Planning process, the State submits a CAPER to HUD which describes the progress the State has made in carrying out the one-year goals contained in the five year Plan. DHCD has just completed the fourth year of the five year Plan that ended June 30, 2018, and the draft CAPER details the progress DHCD made toward it housing and community development goals both in the last year and for the full five years of the Plan.

DHCD is interested in public input and comment on the draft CAPER. We will take written comments (via either email or standard post) on the report through COB Friday, November 09, 2018 at the address listed below. In addition, we will hold a series of public meetings on the CAPER at the following dates, times, and places:

Wednesday, October 24, 2018 at 10:30 a.m.
Caroline County Central Library
100 Market Street
Small Meeting Room
Denton, Maryland 21629

Thursday, October 25, 2018 at 10:30 a.m.
Fairview Branch Library
Small Meeting Room
Rt. 4 and Chaneyville Road
Owings, Maryland 20736

Friday, October 26, 2018 at 1:30 p.m.
Allegany County Office Complex
701 Kelly Road
Potomac Room 230
Cumberland, Maryland 21502

Monday, October 29, 2018 at 7:00 p.m.
Towson Library
320 York Road
Wilson Room
Towson, Maryland 21204

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.

The draft Performance Report is available on-line on DHCD’s website at http://dhcd.maryland.gov/Pages/default.aspx. It can be found under the “Publications” heading at the bottom of the website. In addition, copies of the draft Annual Plan are available at the following libraries: the Enoch Pratt Free Library in Baltimore, the Blackwell Library in Salisbury, the Washington County Free Library in Hagerstown, the Lewis J. Ort Library in Frostburg, the Frederick Douglas Library in Princess Anne, and the Southern Maryland Regional Library in Charlotte Hall. A large print version is available at the Library for the Blind and Physically Handicapped in Baltimore. Free copies of the draft Performance Report are also available by calling, writing, or emailing me at the address and phone numbers listed below:

Ms. Ja’Nai C. Streat
Senior Housing Policy Analyst
Maryland Department of Housing and Community Development
7800 Harkins Road
Lanham, Maryland 20706
(301) 429-7445 or Maryland Relay for the Deaf at 1 (800) 735-2258.
janai.streat@maryland.gov

# # #


Email Subscription

To sign up for updates or to access your subscriber preferences, please enter your contact information below.







News Categories







Follow us on Twitter




Abell Foundation Affordable Housing Affordable Rental Housing Appliances Arts Incubator Baltimore Baltimore Regional Neighborhoods Initiative BARCO Be SMART community Cooling Tips Customer Service DBED DHCD Energy Efficiency energy star first time homebuyers food deserts Goldseker Foundation Governor Hogan Greenbuild home homelessness home loan homeowner Homeowners Homeownership HUD Main Street Improvement Assistance Program Makerspace Maryland Maryland Housing Conference Maryland Mortgage Program Montgomery County mortgage Neighborhood Revitalization Net Zero Nonprofit Assistance Fund NSP3 Open Works Prince George's County Project CORE Robert W. Deutsch Foundation Save Money small business lending Station North student debt Technical Assistance Grant water heater water sense