Counseling

Get Ready

Becoming a homeowner requires a lot of preparation. And that's why we require all of our borrowers to attend a homebuyers workshop. There's a minimal charge and the information is priceless. Find a location in your area.

Note: If a borrower is requesting assistance through the Downpayment and Settlement Expense Loan Program (DSELP) and/or assistance through a Partner Match Program, certain jurisdictions have special counseling requirements. Refer to the bottom of this page for those requirements.

WESTERN MARYLAND (counties of Allegany, Frederick, Garrett, Washington)
SOUTHERN MARYLAND (counties of Calvert, Charles, St. Mary's)
GREATER WASHINGTON (counties of Montgomery, Prince George's)
EASTERN SHORE (counties of Caroline, Cecil, Dorchester, Kent, Queen Anne's, Somerset, Talbot, Wicomico, Worcester)
CENTRAL MARYLAND (counties of Anne Arundel, Carroll, Harford, Howard)
GREATER BALTIMORE (county of Baltimore and Baltimore City)

WESTERN MARYLAND (Allegany, Frederick, Garrett and Washington counties)

«Cumberland Neighborhood Housing Services, Inc. 400 N. Mechanic Street Cumberland MD 21502 XXX-XXX-XXXX	«Hagerstown Home Store 21 East Franklin Street Hagerstown, MD 21740 XXX-XXX-XXXX
«Frederick Community Action Agency 100 S. Market Street Frederick, MD 21701 XXX-XXX-XXXX (Frederick County residents only)	Interfaith Housing Alliance, Inc. 731 N. Market Street Frederick MD 21701 XXX-XXX-XXXX
«Garrett County Community Action Committee, Inc. 104 E. Center Street Oakland, MD 21550 XXX-XXX-XXXX	«Washington County Community Action Council, Inc. 101 Summit Avenue Hagerstown, MD 21740 XXX-XXX-XXXX

SOUTHERN MARYLAND (Calvert, Charles and St. Mary’s counties)

«Southern Maryland Tri-County Comm. Action Committee, Inc.
8371 Leonardtown Road
Hughesville, MD 20637
XXX-XXX-XXXX ext. 262

GREATER WASHINGTON (Montgomery and Prince George’s counties)

«Centers for Financial Education 15847 Crabbs Branch Way Rockville, MD 20855 XXX-XXX-XXXX	«Kairos Development Corp. 5601 Old Branch Avenue Camp Springs, MD 20746 XXX-XXX-XXXX
«Greater Washington Urban League 6200 Baltimore Avenue, Suite 303 Riverdale, MD 20737 XXX-XXX-XXXX	Latino Economic Development Corp. 11319 Elkin Street Wheaton, MD 20902 XXX-XXX-XXXX (Spanish)
«HomeFree-USA 3401A East West Highway Hyattsville, MD 20782 XXX-XXX-XXXX	«Roots of Mankind Corp. 4273 Branch Avenue Suite 205 Temple Hills, MD 20748 XXX-XXX-XXXX
Housing & Community Initiatives, Inc. 444 N. Frederick Avenue, Suite 305 Gaithersburg, MD 20877 XXX-XXX-XXXX	«Sowing Empowerment and Economic Dev., Inc. (SEED) 6201 Riverdale Road, #200 Riverdale, MD 20737 XXX-XXX-XXXX
«Housing Initiative Partnership, Inc. 6525 Belcrest Road, Suite 555 Hyattsville, MD 20782 XXX-XXX-XXXX (Spanish)
«Housing Options and Planning Enterprises Inc. (HOPE) 6192 Oxon Hill Road, Suite 405 Oxon Hill, MD 20745 XXX-XXX-XXXX

EASTERN SHORE(Caroline, Cecil, Dorchester, Kent, Queen Anne’s, Somerset, Talbot, Wicomico and Worcester counties)

«Cecil County Housing Agency 200 Chesapeake Blvd. Suite 1800 Elkton, MD 21921 XXX-XXX-XXXX	«Salisbury Neighborhood Housing Services, Inc. 400 Snow Hill Road Salisbury, MD 21804 XXX-XXX-XXXX
Delmarva Community Services, Inc. 435 High Street Cambridge, Md 21613 XXX-XXX-XXXX Ext.14	«Shore Up! Inc. PO Box 430 Salisbury, MD 21801 XXX-XXX-XXXX ext. 307
«The Maryland Rural Development Corp. PO Box 739 Greensboro, MD 21629 XXX-XXX-XXXX ext. 12 (French)	Talbot County Dept. of Housing 11 N. Washington Street Easton, MD 21601 XXX-XXX-XXXX

CENTRAL MARYLAND (Anne Arundel, Carroll, Harford and Howard counties)

«Anne Arundel County Economic Opportunity Committee 251 West Street Annapolis, MD 21401-1951 XXX-XXX-XXXX ext. 1004 (South American Spanish)	«Home Partnership, Inc. 626 Towne Center Drive Suite 301 Joppatowne, MD 21085 XXX-XXX-XXXX
«Arundel Community Development Services, Inc. 2666 Riva Road, Suite 210 Annapolis, MD 21401 XXX-XXX-XXXX (South American Spanish)	«Housing Commission of Anne Arundel County 7422 Baltimore Annapolis Blvd. Glen Burnie, MD 21060 XXX-XXX-XXXX ext. 100
City of Westminster Office of Housing and Community Development 56 West Main Street Westminster, MD 21157 XXX-XXX-XXXX (Westminster residents only)	Howard County Office of Housing and Community Development 6751 Columbia Gateway Drive Columbia, MD 21046 XXX-XXX-XXXX
«Harford County Housing Agency 15 So Main Street, Suite 106 Bel Air, MD 21014 XXX-XXX-XXXX (South American Spanish)

GREATER BALTIMORE (Baltimore County and Baltimore City)

«/Belair-Edison Neighborhoods, Inc. 3412 Belair Road Baltimore, MD 21213 XXX-XXX-XXXX	«/Greater Baltimore Urban League 512 Orchard Street Baltimore, MD 21201 XXX-XXX-XXXX ext. 221
/Comprehensive Housing Assistance, Inc. 5721 Park Heights Avenue Baltimore, MD 21215 XXX-XXX-XXXX ext. 0	«u/Harbel Housing Partnership Program 5807 Harford Road Baltimore, MD 21214 XXX-XXX-XXXX
«/The Development Corp. of Northwest Baltimore 3521 W. Belvedere Avenue Baltimore, MD 21215 410-578- 7190 ext. 0	/Making Choices for Independent Living, Inc. 3011 Montebello Terrace Baltimore, MD 21214 XXX-XXX-XXXX (For disabled borrowers only)
uDiversified Housing Development 8311 Liberty Road Baltimore, MD 21244 XXX-XXX-XXXX	«/Neighborhood Housing Services of Baltimore, Inc. 819 Park Avenue Baltimore, MD 21201 XXX-XXX-XXXX
«/Druid Heights CDC 2140 McCulloh Street Baltimore, MD 21217 XXX-XXX-XXXX	«/Southeast CDC 3700 Eastern Avenue Baltimore, MD 21224 XXX-XXX-XXXX ext. 24 (South American Spanish)
uEastside Community Development Corp., Inc. Atrium Offices at Eastpoint Mall 7835 Eastern Avenue – Suite 302 Baltimore, MD 21224 XXX-XXX-XXXX	«/St. Ambrose Housing Aid Center 321 East 25th Street Baltimore, MD 21218 XXX-XXX-XXXX ext. 221
«/Garwyn Oaks Housing Resource Center 2300 Garrison Blvd., Suite 270 Baltimore, MD 21216 XXX-XXX-XXXX	uWe Are Family Community Development 8611 Church Lane Randallstown. MD 21133 XXX-XXX-XXXX
/Govans Economic Management Senate (GEMS) 3921 Old York Road Baltimore, MD 21218 XXX-XXX-XXXX

«HUD approved housing counseling agency as of 3/17/09.

uThis counseling agency must be used if borrower is requesting a DSELP loan and/or assistance through a Partner Match Program on a property located in Baltimore County.
/This counseling agency must be used if borrower is receiving funds from a Baltimore City Program.

Note: If a borrower is requesting assistance through the Downpayment and Settlement Expense Loan Program (DSELP) and/or assistance through a Partner Match Program, the jurisdictions listed below have special counseling requirements.

ANNE ARUNDEL COUNTY (Does not include City of Annapolis)	Counseling must be provided by a HUD-approved housing counseling agency. The borrower must graduate from a homebuyer counseling program that includes at least eight hours of education on credit, budget, savings, the settlement process and mortgage products.
BALTIMORE CITY	Any prospective home buyer purchasing a home in Baltimore City and receiving funds from a Baltimore City program must complete homeownership counseling with an organization approved by Baltimore City, and obtain a counseling certificate before entering into a contract of sale to purchase a home.
BALTIMORE COUNTY	Counseling must be received from one of the following counseling agencies: Diversified Housing Development Harbel Housing Partnership Program Eastside Community Development Corp., Inc. We are Family Workshop and individual counseling must be completed and a counseling certificate received before the borrower enters into a contract of sale to purchase a home.
HARFORD COUNTY	Homebuyer education may be in the form of a face-to-face tutorial, classroom or workshop session conducted by a HUD-approved housing counseling agency or by a lender that uses the services of a mortgage insurer with an established education/counseling program If the borrower’s credit score is 619 or below the borrower must complete the required counseling and obtain a certificate before entering into a contract of sale to purchase a home.

Maryland Mortgage Program