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ALERT: Though not nearly as common as Baltimore City, even Howard County has at least some lead-paint involved real estate properties.
January 3rd, 2014: Interested Howard County residents can now apply for the Maryland Housing Rehabilitation Program for single-family homes. MRHP-SF is a housing rehabilitation program that preserves and improves single-family properties with an emphasis on bringing eligible properties into compliance with applicable building codes and standards such as (1) correcting lead-based paint violations, (2) improving the weatherization and energy conservation in homes, (3) making accessibility modifications, (4) correcting general health and safety violations, and (5) correcting exterior or interior deficiencies.
Home owners can secure from the state low-interest loans for home maintenance. General improvements, such as small home additions, alterations, carpeting, fences, landscaping and kitchen, bathroom and closet remodeling, mat be considered as well.
The program is intended for households with incomes that are at or below 80 percent of the statewide median income, which is $ 68,500 for a family of four.
Loans cannot exceed 110 percent of the property's value and have an interest rate of no more than 4.5 percent. All loans greater than $ 5,000 or with a deferred payment status are secured by a mortgage with a term of no more than 30 years.
[ http://www.baltimoresun.com/news/maryland /howard/Ellicott-city/ph-ho-cf-housing-rehab]
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