Maryland Administrative Code

.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 in §A o…

.21 General Provisions. A. Combining with Other Loans and Grants. Program loans may be made in conjunction with other federal or State loan or grant programs, if the requirements of the Act and these regulations are met. The Program shall be administered to the extent possible to…

.01 Scope. A. This chapter describes the policies and procedures for making State-funded loans and grants to finance lead hazard reduction activities in residential buildings and child care centers. B. The regulations set forth in COMAR 05.04.13 describe the policies and procedur…

.02 Definitions. A. In this chapter, the following terms have the meanings indicated. B. Terms Defined. (1) “Act” means Housing and Community Development Article, Title 4, Subtitle 7, Annotated Code of Maryland. (2) “Annual income” means total household income from all sources fo…

.03 Eligible Borrowers and Grantees. A. Requirements for Loans and Grants. In order to be eligible for a loan or grant, an applicant shall meet the following requirements: (1) Hold title to the property in fee simple or under a perpetually renewable lease; (2) If an owner-occupan…

.04 Eligible Buildings. A. A building shall meet the following requirements: (1) Be located within the State; (2) Be one of the following: (a) Structurally and mechanically sound such that there are no physical conditions that either endanger the life, property, safety, or welfar…

.05 Eligible Projects—Lead Hazard Reduction Activity Requirements. A. The following lead hazard reduction activities may be financed by a Program grant or loan: (1) Window replacement, which may include new wells, sills, and frames; (2) Lead hazard treatment for existing windows,…

.06 Loan Terms and Requirements — General. A. Interest Rate. (1) The interest rate to be paid on each loan may not be more than private lending rates for comparable loans. (2) Interest rates and repayment terms for each loan shall be set by the Department or the local administrat…

.07 Loan Terms and Requirements — Deferred Payment Loans. A. Deferral. In order to make a loan affordable, the Program may approve deferral of principal and interest payments for a period of time or until the transfer of the property or an interest in the property. B. Eligibility…

.08 Loan Terms and Requirements for Secured Loans. A. Security for Loans. (1) Amortizing loans of $5,000 or less shall be evidenced by a promissory note and other documents as may be required by the Department. (2) All deferred payment loans and all amortizing loans in excess of …

.09 Grant Terms and Requirements. A. Requirements for Grants. In order to be eligible for a grant, the following requirements shall be met: (1) A grantee shall meet the requirements of Regulation .03A of this chapter; (2) The property shall be located in a target area as defined …

.10 Loan and Grant Application Process. A. Application Procedures In General. The Department shall establish application procedures for local administrators to follow. These procedures may be amended from time to time and shall be binding on all applicants. Alternative procedures…

.11 Loan and Grant 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…

.12 Loan and Grant Closings. A. Time and Place. The loan or grant 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 administ…

.13 Contractor Requirements. A. General Requirements. A contractor and subcontractor: (1) For lead abatement and risk reduction projects, shall have successfully completed, along with all workers in the firm, any training and accreditation course on lead abatement procedures requ…

.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 and Grant Disbursements. A. Monitoring. (1) The local administrator shall monitor loan and grant disbursements during lead hazard reduction work to assist the borrower and to ensure that loan funds are properly used. (2) The local administrator shall make at least two in…

.16 Certification of Local Governments as Local Administrators. A. In 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 th…

.17 Program Fund Allocations; Reservation of Funds. A. It is the intent of the Department that Program funds be distributed Statewide. Monies appropriated to the Program may be made available Statewide on a first-come, first-served basis, subject to §B of this regulation. If the …

.18 Nondiscrimination; Alcohol and Drug Free Workplace. A. A borrower, 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 orientation, or age, ex…

.19 Books and Accounts. A. The borrower, contractor, 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…

.20 General Provisions. A. Combining with Other Loans and Grants. A program loan or grant may be made in conjunction with other federal or State loan or grant programs, if the requirements of the Act and this chapter are met. B. Program Guidelines. The Department may establish fr…

.01 General. These regulations prescribe the policies, procedures, and authorizations for making loans to adapt existing housing to provide accessory, shared, and sheltered housing facilities.

.02 Objective. The basic objectives of the Program are: A. To make loans to or for the benefit of individuals with limited incomes to finance rehabilitation projects to provide housing opportunities for families of limited income by creating accessory, shared, and sheltered housi…

.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) “Accessory housing facility” means a dwelling unit with complete, independent sleeping, cooking, sanitation, an…

.04 Eligible Borrowers. A. To qualify for a loan, an owner-occupant shall meet the following requirements, which shall be met jointly and separately by all applicants if there is more than one applicant: (1) Reside, or intend to reside, in the property after completion of the reh…

.05 Property Requirements. A. All properties shall meet the following requirements: (1) Be located within the State; (2) Be owned by an eligible borrower who shall provide assurance of title or evidence of ownership acceptable to the Department; (3) When the project is complete, …

.06 Eligible Improvements. A. Proceeds of a loan may finance the following improvements: (1) Repairs, improvements, and modifications to existing dwelling units, to the extent required by applicable codes and standards relating to accessory, shared, or sheltered housing facilitie…

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

.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 following additional requirements in §§B—E of this regulation. B. Eligibility. The following borrowers may be eligibl…

.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 the following requirements in §§B—D of this regulation. B. Deed of Trust. The deed of trust shall secure repay…

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

.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. All 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 qual…

.14 Construction Process. A. Permits. If required 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 employed shal…

.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…

.17 Certification of Income. A. Certification of Borrower's Household Income. (1) At initial occupancy, and at least every 5 years after that, each borrower shall submit to the Department a signed certificate of annual income for each member of the household 18 years old or older…

.18 Nondiscrimination; Drug and Alcohol Free Workplace. A. A borrower, 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 orientation, or age, ex…

.19 Program Fund Allocations. It is the intent of the Department that Program funds be distributed Statewide. Monies appropriated to the Program shall be made available Statewide on a first-come, first-served basis.

.20 Rehabilitation Plan. A. Applications by a political subdivision for use of Program funds shall comply with a rehabilitation plan periodically prepared by the political subdivision and submitted to the Department. B. A rehabilitation plan includes the following: (1) Documentat…

.21 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…

.22 General Provisions. A. Combining with other Loans and Grants. Program loans may be made in conjunction with other federal or State loan or grant programs, provided the requirements of the Act and these regulations are met. The Program shall be administered to the extent possi…

.01 General. These regulations prescribe the policies and procedures for making loans under the Program.

.02 Objective. The objective of the Program is to provide loans to sponsors to finance or refinance the costs of acquiring, constructing, and modifying buildings which will provide group homes for low income, elderly, handicapped, disabled, and other citizens of the State with sp…

.03 Definitions. A. The terms appearing in the Act have the meaning defined there and, in addition, the meaning used in these regulations. B. Terms Defined. (1) “Act” means Housing and Community Development Article, Title 4, Subtitle 6, Annotated Code of Maryland. (2) “Annual inc…