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)

«Garrett County Community Action Committee, Inc. 104 E. Center Street Oakland, MD 21550 301-334-9431	«Hagerstown Home Store 21 East Franklin Street Hagerstown, MD 21740 301-797-0900
Interfaith Housing Alliance, Inc. 731 N. Market Street Frederick MD 21701 800-836-6088	«Cumberland Neighborhood Housing Services, Inc. 400 N. Mechanic Street Cumberland MD 21502 301-722-6958
«Washington County Community Action Council, Inc. 101 Summit Avenue Hagerstown, MD 21740 301-797-4161	«Frederick Community Action Agency 100 S. Market Street Frederick, MD 21701 301-600-1506 (Frederick County residents only)

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

«Southern Maryland Tri-County Comm. Action Committee, Inc.
8371 Leonardtown Road
Hughesville, MD 20637
301-274-4474 ext. 263 or 277

GREATER WASHINGTON (Montgomery and Prince George’s counties)

«Centers for Financial Education 15847 Crabbs Branch Way Rockville, MD 20855 800-747-4222	«Housing Options and Planning Enterprises, Inc. (HOPE) 6192 Oxon Hill Road, Suite 405 Oxon Hill MD 20745 301-567-3330
Greater Washington Urban League 5012 Rhode Island Avenue Suite 103 Hyattsville, MD 20781 301-985-3519	«Kairos Development Corp. 5601 Old Branch Avenue Camp Springs, MD 20746 301-899-0046
Housing & Community Initiatives, Inc. 444 N. Frederick Avenue, Suite 305 Gaithersburg, MD 20877 301-590-2765	«Roots of Mankind Corp. 4273 Branch Avenue Suite 205 Temple Hills, MD 20748 301-899-6800
«Housing Initiative Partnership, Inc. 6525 Belcrest Road, Suite 555 Hyattsville, MD 20782 301-699-3835 (South American Spanish)	«Sowing Empowerment and Economic Dev., Inc. (SEED) 6201 Riverdale Road, #200 Riverdale, MD 20737 301-458-9808

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

«Cecil County Housing Agency 5 Brown Court Elkton, MD 21921 410-996-5246	«Shore Up! Inc. PO Box 430 Salisbury, MD 21801 410-749-1142 ext. 307
«The Maryland Rural Development Corp. PO Box 739 Greensboro, MD 21629 410-479-3566 ext. 12 (French)	Talbot County Dept. of Housing 11 N. Washington Street Easton, MD 21601 410-770-6821
«Neighborhood Housing Services 513 Camden Avenue Salisbury, MD 21801 410-543-4626	Delmarva Community Services, Inc. 345 High Street Cambridge, MD 21613 410-221-1900

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

«Anne Arundel County Economic Opportunity Committee 251 West Street Annapolis, MD 21401-1951 410-626-1900 ext. 1004 (South American Spanish)	«Home Partnership, Inc. 626 Towne Center Drive Suite 301 Joppatowne, MD 21085 410-679-3200
«Arundel Community Development Services, Inc. 2666 Riva Road, Suite 210 Annapolis, MD 21401 410-222-7608 (South American Spanish)	«Housing Commission of Anne Arundel County 7477 Baltimore Annapolis Blvd. Glen Burnie, MD 21060 410-222-6200 ext. 100
City of Westminster Office of Housing and Community Development 56 West Main Street Westminster, MD 21157 410-848-2261 (Westminster residents only)	Howard County Office of Housing and Community Development 6751 Columbia Gateway Drive Columbia, MD 21046 410-313-6318
«Harford County Housing Agency 15 So Main Street, Suite 106 Bel Air, MD 21014 410-638-3045 (South American Spanish)

GREATER BALTIMORE (Baltimore County and Baltimore City)

«/Acorn Housing Corp. 16 W. 25th Street Baltimore, MD 21218 410-243-9790	«/Govans Economic Management Senate (GEMS) 3921 Old York Road Baltimore, MD 21218 410-433-3400
«/Greater Baltimore Urban League 512 Orchard Street Baltimore, MD 21201 410-523-8150 ext. 221	«Home Partnership, Inc. Rumsey Towers Bldg. 626 Towne Center Drive, Suite 301 Joppatowne, MD 21085 410-679-3200
/Belair-Edison Neighborhoods, Inc. 3412 Belair Road Baltimore, MD 21213 410-485-8422	/Making Choices for Independent Living, Inc. 3011 Montebello Terrace Baltimore, MD 21214 410-444-1400 (For disabled borrowers only)
/Comprehensive Housing Assistance, Inc. 5721 Park Heights Avenue Baltimore, MD 21215 410-466-1990 ext. 0	«Neighborhood Housing Services of Baltimore, Inc. 244 N. Patterson Park Avenue Baltimore, MD 21231 410-327-1200
«/The Development Corp. of Northwest Baltimore 3521 W. Belvedere Avenue Baltimore, MD 21215 410-578- 7190 ext. 0	«uNeighborhood Housing Services 300 Lennox Avenue, 2nd Floor Towson, MD 21286 410-769-8820
uDiversified Housing Development 8311 Liberty Road Baltimore, MD 21244 410-496-1214	«Neighborhood Housing Services 4115 Frederick Avenue Baltimore, MD 21229 410-644-1904
«/Druid Heights CDC 2140 McCulloh Street Baltimore, MD 21217 410-523-1350	«/Southeast CDC 3700 Eastern Avenue Baltimore, MD 21224 410-342-3234 ext. 24 (South American Spanish)
«/ East Harbor Community Development Corp. 120 S. Central Avenue Baltimore MD 21202 410-753-4181	«/St. Ambrose Housing Aid Center 321 East 25th Street Baltimore MD 21218 410-366-8550 ext. 221
uEastside Community Development Corporation, Inc. Atrium Offices at Eastpoint Mall, 7835 Eastern Avenue, Suite 302 Baltimore, MD 21224 410-284-9861	«u/Harbel Housing Partnership 5807 Harford Road Baltimore MD 21214 410-444-9152
uWe Are Family Community Development 8611 Church Lane Randallstown, MD 21133 410-922-9623
«/Tri-Churches Housing 815 Scott Street Baltimore, MD 21230 410-385-1463
«/Garwyn Oaks Housing Resource Center 2300 Garrison Blvd., Suite 270 Baltimore, MD 21216 410-947-0084

«HUD approved housing counseling agency as of 6/12/06.

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 provide 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 Eastside Community Development Corporation, Inc. Harbel Housing Partnership Program Neighborhood Housing Services of Greater Hillendale We Are Family Community Development 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 borrower must complete the required counseling and obtain a certificate before entering into a contract to purchase a home.

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