Tips and Resources to Stay in your Home

City Resources

Emergency Mortgage Assistance

The Emergency Mortgage & Housing Assistance Program (EMHAP) assists Baltimore City homeowners whose homes are at risk of foreclosure due to economic hardship related to the COVID-19 pandemic. Assistance is provided as a grant in the form of a direct payment to the mortgage company to pay past due mortgage charges.

LIGHT Intake & Assessment Unit at 410-396-3023

Weatherization Program

The Weatherization Assistance Program helps low-income households with reducing energy expenses by installing energy conservation materials and products which help lower utility bills and maintain a safer, more comfortable home. These materials and products also reduce the consumption of energy and the cost of maintenance for these homes. Assistance is available for eligible owner-and tenant-occupied properties. For more information and eligibility to the program contact: 410 396-3023

Home Improvement Funds

Baltimore City Department of Housing and Community Development helps eligible low- and moderate-income applicants finance home improvements including the repair and replacement of roofing, heating, plumbing and electrical systems, and disability accessibility modifications. Assistance for repairs is mainly in the form of loans, some of which may be forgivable or deferred based on eligibility.

For more information and eligibility to the program contact: 410.396.3023

Loans/Grant Programs

Healthy Neighborhoods (rates at 4%)

New Purchase & Rehab, Refinance & Rehab, or Home

Improvement loan, please call Rahn Barnes at 410-3320387 x 1005. Healthyneighborhoods.org

Housing Upgrades to Benefit Seniors (HUBS) Program

This is an initiative to coordinate housing and related services for Baltimore City residents to improve health and safety, preserve the integrity of their homes and extend the time that they age in place.

For more information contact us at hubsintake@civicworks.com or 443-470-9871

Incentives for Developers/Homeowners CHAP Credit

The program is a 10-year, comprehensive tax credit program that helps the City in its mission to preserve Baltimore’s historic neighborhoods by encouraging property owners in historic districts to complete substantive rehabilitation projects. The 10-year credit is granted on the increased property value, resulting from the qualifying rehabilitation work. The tax credit is computed once and used for the entire 10-year life of the credit. Tenyear tax credit for all renovations, interior, and exterior, is the most generous in Baltimore City, and among the most comprehensive in the country.

• Credit benefits homeowners and significantly can lower taxes after the renovation.

• The goal of the program is to help preserve Baltimore’s neighborhoods by encouraging restoration and rehabilitation.

• Credit is fully transferrable to a new owner for the remaining life of the credit.

** You MUST apply for this credit PRIOR to doing any renovation.

Details: for the application and more information go to: chap.baltimorecity.gov