Skip to Main Content

Newsroom

Governor Hogan Announces $25 Million Initiative to Revitalize Downtowns and Main Streets

Governor Hogan Announces $25 Million Initiative to Revitalize Downtowns and Main Streets
Project Restore Will Provide Financial Incentives For Taking Over Vacant Retail and Commercial Space
Rental Subsidies Of Up To $2,500 Per Month, Sales Tax Rebates Of Up To $250,000 Per Year

ANNAPOLIS, MD (June 28, 2021) — Governor Larry Hogan today announced the launch of Project Restore, a $25 million economic recovery initiative that will provide financial incentives for small businesses and commercial developers to revitalize vacant retail and commercial space. The governor made the announcement in downtown Berlin during a five-day tour of the Eastern Shore.

“Project Restore will help put more ‘open for business’ signs in storefront windows, create thousands of jobs, and transform neighborhoods and communities,” said Governor Hogan. “This initiative is just one more shining example of how we aren’t just committed to fully recovering from this pandemic, we are committed to coming back stronger and better than ever before.”

234Watch the announcement here.

This new program will be administered by the Maryland Department of Housing and Community Development (DHCD). Through Project Restore, the department will offer rental grants and sales tax relief rebates to help offset startup costs and incentivize commercial investment in vacant spaces. Businesses that begin new or expanded operations in spaces that have not been generating sales tax receipts for the past six months or more will be eligible for the program. Small businesses of 50 or fewer employees will be eligible for additional benefits. 

“Our department has been proud to support the economic recovery of Maryland with over $1.78 billion of pandemic related funding allocated to help businesses, nonprofits, entertainment and tourist venues, renters, homeowners, and other Marylanders in need,” said DHCD Secretary Kenneth C. Holt. “Project Restore will be another step to revitalizing and bringing life back to the commercial corridors and Main Streets that are the lifeblood of Maryland’s economy.”

Available Incentives. Businesses will be eligible for sales tax relief rebates equal to the business’ sales tax receipts for the 12 month period, with a maximum of $250,000 per year. Eligibility will be based on the same tiering criteria as the More Jobs for Marylanders program: 

  • Businesses in Tier 1 counties—which includes Baltimore City and any Opportunity Zone in Maryland—will be eligible to receive the rebate for two years of operation.
  • Businesses in Tier 2 counties will be eligible to receive the rebate for the first full year of operation.  

Additionally, small business applicants will be eligible for rental subsidies of $2,500 per month for 12 months—up to $30,000—to help offset start-up costs during the first year.

Eligibility Guidelines. To qualify for Project Restore, eligible entities must begin new or expanded operations in space that has not been generating sales tax receipts for the past six months or more. All applicants commit to occupying the space for a minimum of 12 months following receipt of the grant. For more information on Project Restore, visit dhcd.maryland.gov/ProjectRestore.

# # #

MEDIA CONTACTS:

Sara Luell, Director of Public Information
sara.luell@maryland.gov

Emily Allen Lucht, Director of Communications
emily.lucht@maryland.gov

 



Maryland Department of Housing and Community Development Issues First Sustainability Bonds in Agency’s History

Maryland Department of Housing and Community Development Issues First Sustainability Bonds in
Agency’s History
Will support energy efficient affordable housing in Frederick County

NEW CARROLLTON, Md. (June 24, 2021) – Maryland Department of Housing and Community Development Secretary Kenneth C. Holt announced the issuance of the first ever ‘Sustainability Bonds’ to be sold by the department. The department’s bond-issuing entity, the Community Development Administration, issued approximately $13.6 million in Sustainability Bonds; proceeds of the bond sale will support energy efficient affordable housing in Frederick County.

“Under Governor Hogan’s leadership, the Community Development Administration’s innovative financing tools have supported the creation and preservation of more than 22,000 affordable units statewide over the course of this administration,” said Secretary Holt. “These Sustainability Bonds are a new tool in the toolbox that will benefit the environment as well as residents who can expect lower energy bills and high-quality, affordable housing.”

The Sustainability Bonds designation combines green and energy efficiency elements alongside social factors including the low and moderate income population served by the department. The inaugural project financed with the proceeds of the Sustainability Bonds is Hamilton Station in Frederick, Md. Hamilton Station will feature the new construction of 80 affordable units in five three-story buildings. All units are expected to be reserved for households at or below 60% of area median income. Expected green building standards and features include Energy Star Certification; National Green Building Standards: Bronze Certification; Energy Star windows, appliances, and light fixtures; EPA WaterSense faucets and fixtures; and high efficiency 15-SEER mechanical systems. In addition to the Sustainability Bonds financing, the department is supporting the project with an allocation of federal Low Income Housing Tax Credits and a Rental Housing Works loan.

Both institutional and individual investors are increasingly interested in using their investable dollars to purchase bonds that finance projects that are better for the environment and help to build strong communities. Through the issuance of Sustainability Bonds, the department is providing investors with an opportunity to make an impactful investment decision.

# # # 

MEDIA CONTACTS:

Sara Luell, Director of Public Information
sara.luell@maryland.gov

Emily Allen Lucht, Director of Communications
emily.lucht@maryland.gov



Governor Hogan Announces $10 Million in Relief for Live Entertainment Venues

Governor Hogan Announces $10 Million in Relief for Live Entertainment Venues

ANNAPOLIS, MD (June 16, 2021) – Governor Larry Hogan today announced the recipients of 65 awards totaling $10 million for live music and performance venues and live entertainment promoters affected by the COVID-19 pandemic. This relief funding is in addition to the $30 million allocated earlier this year to music and entertainment venues as part of the State of Maryland’s economic recovery plan.

“As we continue to move forward in our recovery, I am proud to announce more support for these entertainment businesses and venues as part of our Maryland Strong Economic Recovery Initiative,” said Governor Hogan. “These awards protect jobs and preserve important cultural institutions in Maryland communities ready to get back to normal.”

Administered by the Maryland Department of Housing and Community Development, awards will be distributed to live venues that closed or cancelled events and performances due to capacity limitations in response to the pandemic, and for which any previous state or federal assistance was not sufficient to cover the live entertainment venue or promoter’s expenses due to the event’s size or venue.

“This is a critical recovery resource to help these businesses as they ramp back up their operations,” said Maryland Department of Housing and Community Development Secretary Kenneth C. Holt. “When we can provide quick and direct assistance, we are not solely helping these businesses, we are strengthening the whole community. ”

In total, 49 live entertainment venues and 14 promoters from 12 counties and Baltimore City will receive the funding. Venues include Rams Head Live (Baltimore City), Delmarva Shorebirds (Wicomico County), Baltimore Symphony Orchestra (Baltimore City), Cumberland Theatre (Allegany County), Merriweather Post Pavilion (Howard County), Olney Theatre Corporation (Montgomery County), and Way Off Broadway Dinner Theatre (Frederick County).  View the list of awardees.

Find out more information about the Maryland Strong Economic Recovery Initiative here.

# # #

MEDIA CONTACTS:

Sara Luell, Director of Public Information
sara.luell@maryland.gov

Emily Allen Lucht, Director of Communications
emily.lucht@maryland.gov



PUBLIC NOTICE: Homeowners Assistance Fund in Maryland

NOTICE OF PUBLIC CONFERENCE CALL
HOMEOWNER ASSISTANCE FUND PROGRAM (HAF) IN MARYLAND

Notice is hereby given that the Community Development Administration (the “Administration”), a unit of the Division of Development Finance of the Maryland Department of Housing and Community Development, will conduct two public conference calls concerning the Homeowner Assistance Fund (HAF) established by the U.S. Department of the Treasury, under section 3206 of the American Rescue Plan Act of 2021.

The first conference call will be open between 11 a.m. and 12 p.m. on June 16, 2021, and the second one will be open between 11 a.m. and 12 p.m. on June 18, 2021.

Oral comments will be limited to no more than five (5) minutes per person. The virtual conference will be accessible at the aforementioned date and time at the following toll-free telephone number: 1-301-298-1561, access code 373245.

Additional information relating to HAF is available in the HAF presentation at https://dhcd.maryland.gov/Residents/Pages/HomeownerAssistanceFund.aspx.  All interested parties are invited to submit written comments/questions and/or present oral comments/questions by accessing the same link and/or at the public conference calls mentioned above.

# # #



Governor Hogan Announces Nearly $17 Million in Neighborhood Revitalization Awards

Governor Hogan Announces Nearly $17 Million in Neighborhood Revitalization Awards
Funding Will Support 41 Community, Economic Development Projects Statewide

ANNAPOLIS, MD (May 25, 2021) — Governor Larry Hogan today announced nearly $17 million in awards for four state revitalization programs and one federal community development program administered by the Maryland Department of Housing and Community Development (DHCD).

“These important programs enable Maryland to partner with local governments, nonprofits, and other stakeholders to support revitalization efforts that enhance the quality of communities and the quality of life for our citizens,” said Governor Hogan. “These partnerships and projects provide critical facilities and services while creating jobs and contributing to positive economic growth.”

The Strategic Demolition Fund, Project C.O.R.E. (Creating Opportunities for Renewal and Enterprise), the National Capital Strategic Economic Development Fund, and the Seed Community Development Anchor Institution Fund will provide $10 million to 30 projects in five counties and Baltimore City that support community development and economic growth across the state. DHCD will also administer nearly $7 million through the federal Community Development Block Grant program in 10 counties.

A full list of the awardees is available here.

Strategic Demolition Fund. The Strategic Demolition Fund is a statewide program aimed at catalyzing activities that accelerate economic development and job production in existing Maryland communities. The fund awarded $1.5 million to four projects, including predevelopment work at the Cambridge Waterfront in Dorchester County.

Project C.O.R.E. Project C.O.R.E., an initiative to eliminate blight in Baltimore City and make way for green space, affordable and mixed use housing, and new opportunities for businesses, awarded $1.5 million to four projects, including predevelopment activities to redevelop vacant lots and vacant homes for homeownership opportunities in the Druid Heights community, the West North Avenue Corridor, and the Johnston Square community.

National Capital Strategic Economic Development Fund. The National Capital Strategic Economic Development Fund, designed to support redevelopment in communities in and around the Capital beltway, awarded $4 million to 16 projects. Projects include rehabilitation of the historic Flower Theater Façade in Montgomery County and supporting the renovation of a 1960s dilapidated cafeteria space and entrepreneurship training in Prince George’s County.

Seed Community Development Anchor Institution Fund. The Seed Community Development Anchor Institution Fund provides grants and loans to higher education institutions and hospitals for community development projects in blighted areas of the state. The Seed fund awarded $3 million to six projects including revitalization of the Allegany College of Maryland Theater and supporting the acquisition of a warehouse for the Baltimore Natural Dye Maryland Institute College of Art partnership project.

Community Development Block Grant program. The Community Development Block Grant program, funded through the U.S. Department of Housing and Urban Development, is a vital resource for Maryland’s efforts to maintain public infrastructure and provide critical services to their residents. Approximately $6.7 million in funding will support 11 community development and infrastructure projects, and will leverage another $10 million in additional public, private, and nonprofit investment statewide.

# # #

MEDIA CONTACT:

Sara Luell, Director of Public Information
sara.luell@maryland.gov

Emily Allen Lucht, Director of Communications
emily.lucht@maryland.gov



Governor Hogan Announces $192.9 Million in Additional Emergency Rental Assistance Awards to Local Jurisdictions

Governor Hogan Announces $192.9 Million in Additional Emergency Rental Assistance Awards to Local Jurisdictions
Funds Support Local Initiatives to Help Tenants Affected By COVID-19 Pandemic
State to Reopen Assisted Housing Relief Program

ANNAPOLIS, MD (May 17, 20201) — Governor Larry Hogan today announced an additional $192.9 million in funding has been awarded to local governments and service providers through the Emergency Rental Assistance Program. These federal funds will support local Maryland Eviction Prevention Partnership initiatives that assist tenants whose ability to pay rent has been impacted by the COVID-19 pandemic.

The governor also announced that the Maryland Department of Housing and Community Development (DHCD) will reopen its Assisted Housing Relief Program, which provides rental assistance to tenants in properties financed by the department.

“Throughout the pandemic, Maryland has had one of the strongest eviction moratoriums in the nation to keep renters safe and secure in their homes despite economic hardships related to COVID-19,” said Governor Hogan. “We continue to work at the state and local levels to help tenants and landlords bring rent payments current, giving them firmer footing on Maryland’s path to recovery.”

Based on the recommendations of a bipartisan advisory group, federal emergency rental assistance was allocated as part of a $1.08 billion supplemental budget submitted by the governor and passed by the General Assembly. This allocation included nearly $193 million for the Maryland Eviction Prevention Partnership. The partnership supports local rental assistance programs administered by 22 local jurisdictions and the United Way of Central Maryland.

Maryland Eviction Prevention Partnership: This funding is in addition to $143 million in federal assistance that was allocated directly to eight jurisdictions with populations over 200,000. Tenants wishing to apply for rental assistance should visit rentrelief.maryland.gov or call 877-546-5595 to find current program status and application information in their local jurisdiction. Most local programs are open or expected to open in spring of 2021. A full list of county allocations for Maryland Eviction Prevention Partnership awards is available here.

Assisted Housing Relief Program: DHCD will reopen the Assisted Housing Relief Program with a $40 million allocation. The program serves rental units in multifamily projects financed by the department’s Community Development Administration using state funds or federal resources. In 2020, the Assisted Housing Relief program paid $15.2 million and covered 18,430 months of rental payments.

Tenants in eligible properties should contact their property management company for application information. Tenant applications will be collected and compiled by the property management company and submitted to the department as one single program application for the property. Property managers will receive direct payments from the department to bring rental delinquencies current.

Future Funding: Some of the remaining federal emergency rental assistance will be reserved so that it can be rapidly allocated based on need as local programs are deployed and to support case management, administration, and outreach to ensure eligible landlords and tenants, including minority populations and those in especially hard-hit areas, are aware of the relief. For more information, visit rentrelief.maryland.gov.

# # #

MEDIA CONTACT:

Sara Luell, Director of Communications
sara.luell@maryland.gov



El Gobernador Hogan Anuncia $192.9 Millones en Fondos para Programas de Asistencia para Renta de Jurisdicciones Locales

El Gobernador Hogan Anuncia $192.9 Millones en Fondos para Programas de Asistencia para Renta de Jurisdicciones Locales
Estos Fondos Sirven de Apoyo a las Iniciativas Locales que Ayudan a Inquilinos Afectados por la Pandemia del COVID. El Estado Reabrirá los Programas de Asistencia de Vivienda.

ANNAPOLIS, Maryland (17 de mayo de 2021) — Hoy, el gobernador Larry Hogan anunció el ingreso de $192.9 millones adicionales en financiamiento para los gobiernos locales y los proveedores de servicios a través del Programa de Asistencia para Renta. Estos fondos federales serán de gran ayuda para las iniciativas de la Alianza para la Prevención de Desalojos de Maryland, que asisten a los inquilinos que no pueden cumplir con los pagos de renta por el efecto de la pandemia del COVID-19.

El gobernador también anunció que el Departamento de Vivienda y Desarrollo Comunitario de Maryland (DHCD, por su sigla en inglés) reabrirá su Programa de Asistencia de Viviendas, que ayuda con las rentas a los inquilinos que viven en propiedades financiadas por el departamento.

“Durante la pandemia, Maryland tuvo una de las moratorias de desalojos más sólidas del país, para que los inquilinos pudieran estar sanos y seguros en sus casas aunque estuvieran enfrentando dificultades económicas como consecuencia de la pandemia”, declaró el gobernador Hogan. “Seguimos trabajando a nivel local y estatal para ayudar a los inquilinos y propietarios a actualizar los pagos de rentas, dándoles una base firme en el camino a la recuperación de Maryland”,

Según las recomendaciones de un grupo consejero bipartito, la asistencia federal de emergencia para la renta se estableció como parte de los $1.08 mil millones de presupuesto suplementario enviado por el gobernador y aprobado por la Asamblea General. Esta asignación incluye casi $193 millones para la Alianza para la Prevención de Desalojos. Esta alianza apoya los programas de asistencia para renta locales, administrados por 22 jurisdicciones locales y la United Way de Central Maryland.

Alianza para la Prevención de Desalojos: Estos fondos se suman a los $143 millones de asistencia federal que se asignaron directamente a ocho jurisdicciones locales con una población de más de 200,000 personas. Los inquilinos que quieran aplicar para asistencia con el pago de la renta deben visitar rentrelief.maryland.gov o llamar al 877-546-5595 para consultar el estado actual del programa y obtener información para aplicar en su jurisdicción local. La mayoría de los programas locales están abiertos o esperan abrir para la primavera de 2021. Puede encontrar una lista completa de las asignaciones de la Alianza para la Prevención de Desalojos por condado aquí.

Programa de Asistencia de Vivienda: El Departamento de Vivienda reabrirá el Programa de Asistencia de Vivienda con la asignación de $40 millones. El programa ofrece unidades en alquiler en proyectos multifamiliares financiados por la Administración de Desarrollo Comunitario con fondos estatales o recursos federales. En 2020, el programa de pagó $15.2 millones y cubrió 18,430 meses de pagos de rentas.

Los inquilinos de propiedades elegibles deben contactar a la empresa que administra su propiedad para obtener información sobre cómo aplicar. La empresa administradora de la propiedad reunirá y compilará todas las aplicaciones para enviarlas al departamento como una única aplicación al programa para esa propiedad. Después, los administradores de la propiedad recibirán los pagos directamente para actualizar las rentas atrasadas.

Financiación Futura: Parte de los fondos federales de emergencia para asistencia a la renta serán reservados para ser asignados rápidamente según sea necesario a medida que se desarrollen los programas locales y para asistir la administración de casos, cuestiones administrativas y alcance comunitario para asegurar que los propietarios e inquilinos elegibles, incluyendo las poblaciones minoritarias y las zonas más vulnerables, estén al tanto de la ayuda de emergencia disponible. Para más información, visite rentrelief.maryland.gov.

# # #

CONTACTO DE MEDIOS:

Sara Luell, Directora de Comunicaciones
sara.luell@maryland.gov

Español

Veronica Cool
Veronica@coolassociatesllc.com



Legal Notice: Notice of Public Hearing – Residential Rental Housing Projects

Notice is hereby given that the Community Development Administration (the “Administration”), a unit of the Division of Development Finance of the Maryland Department of Housing and Community Development, will conduct a public hearing from 12:00 pm to 12:15 pm, on Friday May 21, 2021.

DUE TO THE COVID 19 EMERGENCY, THIS PUBLIC HEARING WILL BE CONDUCTED SOLELY VIA TELECONFERENCE. PARTIES INTERESTED IN PARTICIPATING IN THE PUBLIC HEARING SHOULD CALL (toll free) 1-800-201-5203 PIN: 891244 DURING THE PUBLIC HEARING TIME.

For more information, visit: https://dhcd.maryland.gov/Documents/TEFRA/2021/Notice-05-11.pdf



UPDATE: Maryland Department of Housing and Community Development Announces Fiscal Year 2022 Application Round for State Revitalization Programs

Maryland Department of Housing and Community Development Announces Fiscal Year 2022 Application Round for State Revitalization Programs
Funding Available from Community Legacy, Strategic Demolition Fund-Statewide, Baltimore Regional Neighborhood Initiative, National Capital Strategic Economic Development Fund and Seed Community Development Anchor Institution Fund

NEW CARROLLTON, MD (May 11, 2021) – The Maryland Department of Housing and Community Development today announced the Fiscal Year 2022 application round for five State Revitalization Programs will open on May 17.

These programs offer funding to support local housing, community and economic development and other revitalization projects. They are part of the department’s commitment to helping the state’s local governments and nonprofit agencies achieve their community revitalization and economic development goals.

Specifically, Governor Hogan’s Fiscal Year 2022 budget includes the following* for State Revitalization programs:

  • Community Legacy: $6 million 
  • Strategic Demolition Fund – Statewide: $7 million
  • Strategic Demolition Fund – Project C.O.R.E.: $7 million
  • Baltimore Regional Neighborhood Initiative (BRNI): $12 million Capital, $500,000 Operating
  • National Capital Strategic Economic Development Fund: $7 million Capital, $200,000 Operating
  • Seed Community Development Anchor Institution Fund: $10 million

*All FY22 funding levels are subject to change.

If this is your first time applying to one of the aforementioned State Revitalization Programs, contact a regional project manager for more information and to determine your eligibility. For a map of regions and additional contact information, visit https://dhcd.maryland.gov/Communities/Documents/SRP/PM-Map-ContactInfo.pdf.

UPDATE: Applications will be due on Thursday, July 8, 2021, at 3:00 p.m.

Community Legacy and Strategic Demolition Fund-Statewide projects must be in a Sustainable Community, or in an Opportunity Zone in Allegany, Garrett, Somerset and Wicomico Counties. 

In addition to being located in a Sustainable Community, BRNI projects should be located in an area targeted by an eligible BRNI applicant.

National Capital Strategic Economic Development Fund applicant projects should be in Sustainable Communities located: 1) in Prince George’s County, at least in part, within the boundary created by Interstate 495 in the State and the District of Columbia; OR 2) in Montgomery County, within an Enterprise Zone or the boundary created by: a) Prince George’s County, b) Maryland Route 200, c) Interstate 270, d) Interstate 495 to the Maryland state line, and e) The District of Columbia.

Seed Community Development Anchor Institution Program projects must be located in an area of blight and support the improvement of a neighborhood that surrounds an anchor institution. Projects DO NOT need to be located inside of a Sustainable Community, but projects in Sustainable Communities will be given priority consideration for funding.

To see your jurisdiction’s Sustainable Community or Opportunity Zone boundaries, use the online revitalization mapping tool found at this website: https://www.dhcd.state.md.us/GIS/revitalize/.

Projects should help achieve the strategies outlined in a local government’s Sustainable Communities plan. All Sustainable Community plans can be found at https://dhcd.maryland.gov/Communities/Pages/dn/communities.aspx.

Application training will be hosted online this year, with dates to be determined. The website will be updated with training dates and registration links.

For additional program and application information, visit https://dhcd.maryland.gov/Communities/Pages/StateRevitalizationPrograms/.

# # #

MEDIA CONTACT:

Sara Luell, Director, Office of Public Information
sara.luell@maryland.gov



Maryland Mortgage Program Recognizes Top Lender and Realtor Partners

Maryland Mortgage Program Recognizes Top Lender and Realtor Partners

NEW CARROLLTON, MD (April 16, 2021) – The Maryland Department of Housing and Community Development today announced the top performing lender and realtor partners of the Maryland Mortgage Program during a virtual awards event. The department recognized industry partners for their exemplary performance and celebrated the continued partnership of these housing industry professionals despite the challenges of the COVID-19 pandemic. For the second year in a row, the Maryland Mortgage Program surpassed $1 billion in loan reservations. This achievement is a testament to both the department and its partners’ ability to adapt to changes in the industry resulting from the new safety measures related to the pandemic, including innovative approaches to showing houses, homebuyer education, loan application intake and processing, and new closing procedures.

The Maryland Mortgage Program provides fixed-rate mortgages that feature down payment and closing cost assistance, tax incentives, and student debt relief through the popular Maryland SmartBuy initiative. Under Governor Larry Hogan’s leadership, the program has provided more than $4.1 billion in mortgages, more than $98.5 million in down payment assistance, and more than $20.2 million in student debt relief over the course of his administration. This year alone, 4,383 Maryland individuals and families purchased a home through the program.  

“Homeownership is the backbone to building strong communities in Maryland,” said Secretary Kenneth C. Holt. “The Maryland Mortgage Program offers crucial assistance to homebuyers facing barriers to purchasing a home, enabling them to secure a sustainable mortgage and helping them create generational wealth for their family.”

The Maryland Mortgage Program 2020 Top Performers are:

  • Top producing loan officer: Ryan Paquin
  • Top producing realtor: James Archie
  • Top producing lender: First Home Mortgage Corporation
  • Gold-tier lenders: Primary Residential Mortgage, Inc.; NFM, Inc. dba NFM Lending / Main Street Loans; PrimeLending, A PlainsCapital Company; FitzGerald Financial, A Division of TowneBank Mortgage; and Meridian Bank
  • Silver-tier lenders: Direct Mortgage Loans; George  Mason  Mortgage; Prosperity Home Mortgage, LLC; Homeside Financial; C&F Mortgage Corporation; NVR Mortgage; Academy Mortgage Corporation; First Heritage Mortgage, LLC; Fairway Independent  Mortgage; Caliber Home Loans; Waterstone Mortgage Corporation; Sandy Spring Bank; Presidential Bank; Southern Trust  Mortgage; Ameris Bank; WesBanco Bank
  • Rising Star: McLean Mortgage

For more information about the Maryland Mortgage Program, visit mmp.maryland.gov.

# # #

MEDIA CONTACT:
Sara Luell, Director of Public Information
sara.luell@maryland.gov







News Categories






Archives


Abell Foundation Affordable Housing Affordable Rental Housing Arts Incubator Baltimore Baltimore Regional Neighborhoods Initiative BARCO Be SMART Broadband 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 Internet Access 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 water heater water sense