Maryland Administrative Code

.10 Loan Approval and Disapproval. A. Initial Eligibility Determination. (1) Each application shall be submitted to the local administrator for initial review to make a preliminary determination of the eligibility of the applicant and the project. (2) If an applicant is determine…

.11 Loan Closing. A. Time and Place. The loan closing shall be scheduled at a time acceptable to the applicant and the local administrator through a closing officer serving the applicant's area and otherwise acceptable to the local administrator. B. Loan Documents. (1) Loan docum…

.12 Rehabilitation Requirements. A. Except as provided in §G of this regulation, loans shall comply with §§B—F of this regulation. B. Applicable Codes and Standards. (1) The goal of the Program is to assure that all properties rehabilitated under the Program meet health, safety, …

.13 Contractor Requirements. A. General Requirements. Contractors and subcontractors: (1) Shall be licensed by the Maryland Home Improvement Commission or meet other State and local licensing requirements necessary to do the rehabilitation. (2) Shall be qualified to do business i…

.14 Construction Process. A. Permits. If required by local codes, building permits shall be obtained and posted at the project before the beginning of construction. All other permits, if any, required by State or local government also shall be secured before construction begins. …

.15 Loan Disbursements. A. Monitoring. (1) The local administrator shall monitor loans and disbursement of loan funds during rehabilitation to assist borrowers and to assure that loan funds are properly used. (2) Based on Program guidelines, the local administrator shall determin…

.16 Loan Administration — Certification of Local Governments as Local Administrator. A. General. The Department recognizes that the most effective housing rehabilitation programs are those administered at the local level. Therefore, each political subdivision is encouraged and ex…

.17 Allocation of Funds. A. Annual Allocation. (1) The Department shall allocate annually the funds available to the Program among the political subdivisions and to a reserve held by the Department to ensure that all areas of Maryland are served. (2) Up to 25 percent of the total…

.18 Repealed.

.19 Nondiscrimination; Drug and Alcohol Free Workplace. A. A sponsor, nonprofit sponsor, contractor, local administrator, or subcontractor may not discriminate on the basis of race, color, religion, national origin, sex, marital status, physical or mental disability, sexual orien…

.20 Books and Accounts. A. Borrowers, contractors, and subcontractors shall maintain such books, accounts, and records, and shall file with the Department such financial and other reports as the Department may from time to time require. B. The books, accounts, and records shall b…

.21 General Provisions. A. Program Guidelines. The Department may establish from time to time detailed Program guidelines containing underwriting standards, loan processing requirements, and other requirements or matters relating to the financing of loans or to the Program. Copie…

.01 Purpose. These standards are to be used as guidelines for property rehabilitation under the Program. The Program may, at its discretion, waive certain of these standards if needed to fulfill the intent of the Act. When suitable local standards have been developed, these stand…

.02 Definitions. A. General. Definitions given in this regulation are included to provide a basis for understanding the meaning of these terms, phrases, and their derivatives when they are used in these regulations. These definitions have general consistency with those used throu…

.03 General Acceptability Criteria. A. Local Codes and Regulations. (1) These guidelines, while setting forth basic objectives and provisions specifically related to rehabilitation, may not be construed as relieving the property owner, project sponsor, or their builder of his res…

.04 Site Criteria. A. The objective is to develop the individual site or group of sites so that obsolescence is overcome, and so that the development is appropriate and an asset to the neighborhood in which it is located. B. Every residential building shall have sufficient open s…

.05 Building Planning. A. The objective is to assure a living unit which provides for a healthful environment and complete living facilities arranged and equipped for suitable and desirable living conditions under consideration. B. Space Standards. (1) General. (a) The standard i…

.06 Fire Protection. A. Objective. The objective of this section is to assure a high degree of safety to life and property preservation, by the separation of living units and the use of materials which will retard the spread of fire and prevent the passage of flame, smoke, and ho…

.07 Materials and Products. A. Objective. The objective is to provide materials of such kind and quality as to assure that the dwelling will provide appropriate structural strength, adequate resistance to weather and moisture, and reasonable durability and economy of maintenance.…

.08 Construction. A. Objective. The objective is to assure that the construction of the rehabilitated portion of the building will provide sufficient structural strength and rigidity; adequate protection from corrosion, decay, insects, and other destructive forces; necessary resi…

.09 Exterior and Interior Finishes. A. Objective. (1) Acceptably prevent the entrance or penetration of moisture and weather; (2) Be protected from damage by decay, corrosion, insects, and other destructive elements; and (3) Provide reasonable durability and economy of maintenanc…

.10 Mechanical Equipment. A. Objective. The objective is to provide mechanical equipment for the building and its living units that will meet the needs of the intended occupants and be of quality and condition which will assure safety of operation, adequate capacity for its inten…

.11 Maintenance. A. Objective. The objective is to promote adequate maintenance of dwelling units rehabilitated under the Program. B. General. Each dwelling unit shall be free of maintenance conditions hazardous to health and safety upon the completion of rehabilitation work, and…

.01 General. These regulations prescribe the policies, procedures, and authorizations for making loans for improving migratory labor camps under the Act.

.02 Objective. The basic objective of the Program is to make plans at a preferred rate of interest to owners of migratory labor camps to finance health and safety improvements to housing facilities for migratory workers.

.03 Definitions. A. The terms appearing in the Act have the meanings defined in the Act and, in addition, the meanings used in these regulations. B. Terms Defined. (1) “Act” means Housing and Community Development Article, Title 4, Subtitle 9, Annotated Code of Maryland, as amend…

.04 Eligible Borrowers. A. Borrowers shall meet the following requirements, which shall be met jointly and separately if there is more than one applicant: (1) Be an owner as defined in these regulations; (2) If an individual, be a resident of or have a principal place of business…

.05 Eligible Migratory Labor Camp. Migratory labor camps shall meet the following requirements: A. Be located within the State; B. Provide living accommodations for four or more migratory workers engaged in agricultural activities, including related food processing; and C. Be, in…

.06 Loan Terms, Limits, and Requirements. All loans shall be made for the terms, and conform to the requirements, set forth below: A. Interest Rate. The Department shall from time to time and, in accordance with the Act, establish the interest rate to be paid on all loans at a pr…

.07 Loan Application, Processing, and Closing. A. Loan application shall be made on forms and in a manner prescribed by the Department and shall be submitted to the offices of the Program. B. The loan application shall include without limitation: (1) A plan which shall be approve…

.08 Contractor Requirements. A. All contractors shall: (1) Be licensed by the appropriate authority governing the type of work to be performed and meet all other State and local licensing requirements; (2) Be, in the opinion of the Department, of good reputation, financially soun…

.09 Construction Process. A. General. (1) Construction may not begin before the loan closing. Commencement of work before closing shall constitute an event of default under the loan documents. Except as may be otherwise approved pursuant to these regulations, construction shall b…

.10 Appeals by Borrower or Applicant. A. Criteria for Appeal. (1) A borrower or applicant may appeal to the Assistant Director from any action taken by the Department through the Program. (2) Notice of Appeal. (a) An appeal shall be initiated by submitting a notice of appeal to t…

.11 Waiver. The Secretary may waive or vary particular provisions of these regulations to the extent that the waiver is not inconsistent with the Act if: A. Conformance to the requirements of any federal agency in connection with any improvements with respect to which federal ass…

.01 General. These regulations prescribe the policies, procedures, and authorizations for making loans to provide indoor plumbing connecting to supply adequate water and sewage disposal systems in residential buildings.

.02 Objective. The basic objectives of the Program are to: (1) Make loans to or for the benefit of individuals with limited incomes to finance indoor plumbing pipes, equipment, wells, septic tanks, or other on-site sewerage systems, or connection to community water and sewerage s…

.03 Definitions. A. The terms appearing in the Act shall have the meanings defined there and, in addition, the meanings used in these regulations. B. Terms Defined. (1) “Act” refers to Housing and Community Development Article, Title 4, Subtitle 9, Annotated Code of Maryland, as …

.04 Eligible Borrowers. A. Owner-occupants shall meet the following requirements which shall be met jointly and separately by all applicants if there is more than one applicant: (1) Be a family of limited income; (2) Reside, or intend to reside, in the building; (3) Hold title to…

.05 Eligible Building. A. All buildings shall meet the following requirements: (1) Be located within the State; (2) Be a structurally and mechanically sound building except as permitted under §B of this regulation; (3) Be in need of indoor plumbing pipes, equipment, wells, septic…

.06 Eligible Improvements. A. Proceeds of a loan may finance improvements which are necessary to provide adequate indoor plumbing connecting to adequate water supply and sewage disposal systems which include without limitation: (1) Wells; (2) Septic tanks and drain fields; (3) Pi…

.07 Loan Terms and Requirements — General. A. Maximum Loan Amount. (1) The maximum loan amount, when added to any prior indebtedness secured by the building, may not exceed 95 percent of the after-rehabilitation value of the building. (2) If 100 percent of the units are subject t…

.08 Loan Terms and Requirements — Deferred Loans. A. In addition to the conditions and requirements of Regulation .07 of this chapter, deferred loans shall meet the requirements in §§B—F of this regulation. B. Eligibility. The Department may make loans with deferred payments of p…

.09 Loan Terms and Requirements for Secured Loans. A. In addition to the conditions and requirements of Regulations .07 and .08 of this chapter, secured loans shall meet requirements in §§B—D of this regulation. B. Deed of Trust. The deed of trust shall secure repayment of the lo…

.10 Loan Application Process. A. Procedure — In General. The Department shall establish application procedures for loan administrators to follow, that will facilitate the application process and best serve the needs of the political subdivisions and the State. These procedures ma…

.11 Loan Approval and Disapproval. A. Initial Eligibility Determination. (1) Each application shall be submitted to the local administrator for an initial review to make a preliminary determination of the eligibility of the applicant and the project. (2) If an applicant is determ…

.12 Loan Closing. A. Time and Place. The loan closing shall be scheduled at a time and place mutually acceptable to the applicant and the local administrator, through a closing officer serving the applicant's area and otherwise acceptable to the local administrator. B. Loan Docum…

.13 Contractor Requirements. A. General Requirements. Contractors and subcontractors: (1) Shall be licensed by the State, the local political subdivision, or the Maryland Home Improvement Commission, as applicable, to do the work required under the contract; (2) Shall be qualifie…

.14 Construction Process. A. Permits. If required by MDE or by local law, building or rehabilitation permits shall be obtained and posted at the project before the beginning of construction. B. Contract Documents. (1) Work done, materials supplied, and construction procedures emp…

.15 Loan Disbursements. A. Monitoring. (1) The local administrator shall monitor loans and disbursement of loan funds during rehabilitation to assist borrowers and to assure that loan funds are properly used. (2) Based on Program guidelines, the local administrator shall determin…

.16 Certification of Local Governments as Local Administrators. A. General. The Department recognizes that the most effective housing programs of this kind are those administered at the local level. Therefore, each political subdivision is encouraged and expected to develop the c…