Page 1

Free Event

Housing Fair 2012 Lottery Winner!

Saturday, april 13, 2013

Housing Fair EvEnt GuidE

register now: or call 410 -313- 6318 (use menu option 4, then 3)

Here to Help with Your Housing needs Homeownership and rental programs offered

Howard County Housing (HCH) is both an affordable housing provider and developer, and therefore a valuable tool in your search to buy or rent a home in Howard County at rates below market prices. HCH’s mission is to provide affordable, quality, safe, and sustainable housing opportunities for low-and moderateincome families living or working in the County, and has sought to maintain a balance of housing types and prices to serve the full spectrum of residents.

Homeownership Programs

Almost all for-sale units in the County are constructed by private entities with no government involvement other than zoning and subdivision regulations. However, HCH does develop and/or rehabilitate a limited Continued on pg. 10

Housing Fair

Saturday, April 13 • 10a.m.–2p.m.

Housing Lottery Brings Happy Surprises “K

Homeownership in Howard County surprisingly within reach

yla Sullivan! Where is Kyla Sullivan?” The winner’s name rang out across the exhibit hall at the annual Come Home to Howard County Housing Fair. Hundreds of eager homebuyers and exhibitors scanned the crowd, looking for someone jumping up and down, screaming or laughing. But they couldn’t find her. “I couldn’t move,” says Kyla. “Luckily there was a nice lady next to me, shaking my arm yelling ‘That’s you, that’s you, that’s you!’” It took a moment to sink in, but Kyla soon realized she wasn’t dreaming. Her first home had just become a reality! At first, the Howard County Housing Fair was just something Continued on pg. 6

Long Reach High School 6101 old dobbin Lane Columbia, Md 21045


Lottery winner

tom Carbo, director of Housing, Kyla Sullivan, 2012 Lottery Winner and her daughter.

SCan and pre-regiSter

for tHe event!

pre-register online at or call 410-313-6318 for more info. | (410) 313- 6318

Howard County Housing Fair 2013 EvEnt GuidE


Welcome to our 7

Spring is here

annual Come Home to Howard County Housing Fair! The County and our exhibitors and sponsors are excited to highlight the benefits of renting, buying or renovating a home in Howard County. The quality of life in Howard County is second to none. I know from growing up here, and now sharing it with my family, that Howard County is a special place to live. I am honored to represent this great community with its abundant parks and community centers, thriving arts, historical, and cultural outlets, and quality schools and housing. This year’s Fair again features more than 55 exhibitors, free workshops, free credit reports and consultations, and children’s entertainment. You also can take a bus tour of available homes and enter a housing lottery for a chance to purchase homes in Ellicott City and Elkridge. Especially after a record-setting event in 2012, I want to thank the Howard County Housing staff and all our community partners for their efforts to expand affordable housing opportunities in the County and their support to make this event a reality. Enjoy your day, and I hope you too will soon be calling Howard County your home!

and that means it’s time again for our Come Home to Howard County Housing Fair. In the last year, renters and homeowners alike have been forced to examine their lifestyle choices. All Americans have had to adopt a family budget that could adapt with the nation’s fluctuating economy. At the heart of these choices are the month-to-month decisions about a family’s basic needs, not the least of which is housing. The difficulty of providing “housing for all” in a still recovering economy is further impacted by the County’s growing population of residents from a multitude of socio-economic backgrounds. This is a demanding task, even for one of the wealthiest counties in the nation. Howard County Housing (HCH) has eagerly faced this challenge over the last five years with projects like Monarch Mills, Cottages at Greenwood, the Ellicott City redevelopment and a host of other affordable housing activities that evince our success. This year’s event offers a variety of exhibitors; activities for the whole family, including workshops and bus tours; a treasure chest of prizes; and a housing lottery for two quality area homes priced well below market value. I’m excited about the event and look forward to seeing you there.

Ken Ulman, Howard County Executive

Thomas P. Carbo, Director, Howard County Housing


Planning for Your Day at the Fair:

Why choose The McIntire Team to be your local realtor? • • • • •

Integrity, Community expertise, In-depth market knowledge, Positive attitude, & A high-quality professional network.

the Come Home to Howard County Housing fair is always an exciting event, filled with an endless array of opportunities to learn more about renting or buying a home in Howard County. the day moves quickly and you want to have a game plan before arriving so that you can take advantage of everything. Here are some tips to help you in planning for your day: ■ Exhibitors are located

on the 1st floor in the main atrium and cafeteria areas. this is your best opportunity to talk directly with industry professionals, so be sure to walk through all areas. ■ if you are interested in

We are consistently among the top realtors in the Howard County region. There are many qualities and skills that go into being an excellent real estate professional When you decide that you would like to buy a home in Howard County, please feel free to give us a call at

(443) 418-7668 or visit We look forward to working with you soon!

2 Howard County Housing Fair 2013 EvEnt GuidE

Credit Counseling make sure you either bring a recent print out of your credit report or get one free on BB&t Bank Bus at the fair. ■ there are two tour routes to select from for the Guided Bus Tours. these are very popular and

fill up fast. get in line prior to the departure time and you must be 18 years or older to participate. each tour lasts approximately one hour and routes are available online to preview.

must provide identification at drop-off and pick-up with your child. ■ great prizes are given

throughout the day, check the Prize Board to see if your ticket number is posted.

■ You will learn a wide

variety of information at our Education Sessions. each seminar lasts approximately 45 minutes with time for Q & a at the end and is located in the 2nd floor classrooms. ■ You can relax when you

register your children at the Kids Fun Zone with Howard County dept. of recreation and parks. they are on-site with free games and entertainment! You

■ a Food Vendor is

available onsite for a variety of affordable snack options for sale and is located at the main entrance. ■ Be sure to stay through to the Housing Lottery Live Drawing at 1:30pm where you can see this year’s winners drawn and possibly win additional audience prizes!

Visit the website for more details on all fair highlights (410) 313- 6318 |

Housing Fair Saturday, April 13, 10 a.m.– 2 p.m. Long Reach High School 6101 old dobbin Lane, Columbia, Md 21045

event HigHLigHts:

Be the Next Winner in Our Housing Lottery! 2 homes included in drawings. APPLiCATiON AVAiLABLE ONLiNE Scan and pre-register for the event now!

•Meetrealestateagents,mortgage lenders, housing specialists and county personnel

•Discovercommunitiesandnew home developments on our narrated bus tours

•Learnaboutbuyingahome, mortgage programs and more by attending our education sessions

•Funforthewholefamily! Big prizes given throughout the day, including the house lottery drawing

for more info and to pre-register: or call 410 -313- 6318

Event Schedule Exhibition Hall

Credit Counseling

Open 10:00am to 2:00pm atrium & Cafeteria.

Hop on the BB&t Bank Bus (located outside) then schedule a free one-on-one credit report review with CCCS, located in the 2nd floor Library.

Education Sessions 10:30am to 1:30pm Located on 2nd floor, see agenda or signage for event schedule.

Narrated Bus Tours of Communities Departs at 10:15am & 11:30am Buses load at entrance and tours last approximately 1 hour.

Prize Drawings Held Throughout the Day Check the prize board at the entrance to see if you won!

House Lottery Drawings 1:30pm atrium stage area.

(use menu option 4, then 3)

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Burgess Mill Station:

3074 Milltowne Drive #005, Ellicott City, MD 21043 | (410) 313- 6318

Howard County Housing Fair 2013 EvEnt GuidE


Investing in Maryland

CALL 800-756-0119 VISIT

Mortgage Loans for First-time Homebuyers Loan Programs for Affordable Rental Housing Community Revitalization & Assistance Programs Small Business Loan Programs Foreclosure Prevention Assistance Energy Efficiency Assistance

Underwater With Your Mortgage? Meet with Maryland Housing to learn about the Home Affordable Refinance Program (HARP) at the fair.

Working with partners to finance housing opportunities and revitalize great places for Maryland citizens to live, work and prosper.

Follow us on: Martin O’Malley, Governor Anthony G. Brown, Lt. Governor

Raymond Skinner, Secretary Clarence Snuggs, Deputy Secretary EQUAL HOUSING OPPORTUNITY

4 Howard County Housing Fair 2013 EvEnt GuidE

(410) 313- 6318 |

Bob Lucido and the Bob Lucido Team of RE/MAX Advantage Realt y

Monthly Pre-Purchase Home Buying Counseling


Howard County Housing offers a monthly Homebuyer education Workshop that is free and open to the public. the workshop meets the guidelines of the fannie Mae Certificate program and complies with the counseling requirements for the Maryland Mortgage program (MMp) and the Moderate income Housing unit (MiHu) program. Classes are held at 6751 Columbia gateway drive, Columbia Maryland 21046 in the Columbia gateway Business park.


Upcoming Workshop Dates: April 29, May 20, June 24 and July 29.

DIRECT LINE: 240-295-6015

To reserve a seat in the next class please call (410) 313-6318 (use menu option 4, then 3)

O: 240-295-6000 ext. 2160

Meet one-on-one with over 55 top industry professionals SCHEDULED ExHiBiTORS

Housing Fair r estate professionals, mortgage real lenders, apartment communities, home builders, housing specialists and county personnel will all be on hand to offer a variety of information. Meet with them all from 10:00 am to 2:00 pm at the fair.

1st Mariner Bank 2-1-1 Maryland at united Way of Central Maryland apL federal Credit union asian-american Homeownership Counseling, inc. Baltimore neighborhoods, inc. Bank of america Home Loans BB&t Beazer Homes the Bob Lucido team of remax advantage realty Burgess Mill Station Carrollton Mortgage Services Central Maryland regional transit CCCS of Md and de, inc. Chase Mortgage Banking Columbia association

tHanK you to our generous sponsors! | (410) 313- 6318

the Columbia Bank— a division of fulton Mortgage Company Comcast Community action Council Consumer affairs advisory Board Craftstar Homes dHr—Maryland’s Human Services agency—CSo the dolben Company the elms at Montjoy— apartment Homes embrace Home Loans equity Management exit right realty first Home Mortgage greeneWit Harpers forest apartments

preMier partnerS

Hendersen-Webb, inc. Howard Bank Howard County association of reaLtorS Ž Howard County Housing Howard County department of Citizen Services Howard County department of Social Services Howard County recreation and parks Lennar Liberty Mutual insurance Lutheran village at Miller’s grant Md attorney generals office, Consumer protection division Md dept of Housing & Community development

Maryland insurance administration the Mcintire Home team Monarch Mills office of Human rights, Howard County Maryland pillar to post professional Home inspection prudential penfed realty pnC Mortgage prime Lending—a plains Capital Company real estate Brokers of Baltimore redfin ryan Homes united Bank Wells fargo Home Mortgage


Howard County Housing Fair 2013 EvEnt GuidE



Lottery winner

“Having my own home is great,” says 2012 lottery winner Esther Ahn.

Kyla Sullivan’s name is announced as the lottery winner of a new home in elkridge, Md.

Housing Lottery brings happy surprises Continued froM pg. 1

to do over a busy weekend with plenty of other choices. A flier for the Howard County Housing Fair had caught Kyla’s eye, and she had passed it along to her mother.

tHe Moderate “inCoMe Housing unit

PrograM (MiHu) is just one oF tHe great PrograMs we oFFer to HeLP MaKe HoMe ownersHiP a reaLity Tom Carbo

HoWard CountY HouSing direCtor

(left) esther ahn with her grandmother, in front of her new Laurel, Md. home.

6 Howard County Housing Fair 2013 EvEnt GuidE

A single mother and business operations specialist, Kyla grew up in Columbia and had been living at her parents’ home with her daughter. She didn’t realize that the Housing Fair’s housing lottery was the perfect opportunity for moderate income buyers like herself. In fact, it wasn’t until her mother urged her to apply for the housing lottery that Kyla seriously thought about becoming a homeowner. “I always dreamed of owning my own home, but assumed renting was the only option I had,” says Kyla. Kyla learned that day that owning a home in Howard County, her home town, is easier than she thought it would be. On April 13, 2013, Howard County Housing will open the doors to the 7th annual Come Home to Howard County

Housing Fair, welcoming hundreds of people hoping to become homeowners just like Kyla. The event is completely free, offering more than 25 education sessions equipping attendees with everything they need to know about buying, maintaining or renting a home. But one of the main draws to the fair is the Housing Lottery. Administered by Howard County Housing, this program provides potential home buyers with the opportunity to purchase a high-quality new or renovated home at a greatly reduced price. All entrants into the housing lottery must meet income levels and pre-qualify for a mortgage. “The process was really straightforward. I downloaded the forms from the website, put together all my paperwork and dropped it off at the Howard County Housing Office,” says Kyla. “Programs like the Moderate Income Housing Unit Program is just one of the great programs we offer to help make home ownership a reality,” says Tom Carbo, Howard County Housing Director. “We want folks like Kyla to live here, to own homes here and to be a part of our thriving community.”

(410) 313- 6318 |

Kyla wasn’t the only person whose dreams of homeownership came true that day, though one person didn’t get the good news until much later.


hile Kyla’s name was announced to the 1,000 attendees gathered at the fair, Esther Ahn of Laurel was selected as an alternate, ready to step in if one of the original lottery winners chose not to purchase the home for any reason. Although Esther was excited to be named an alternate, she didn’t know if she’d ever actually get the chance to purchase her dream home. Luckily, a few weeks after the housing lottery took place, Esther received a phone call. One of the housing lottery winners had backed out. The house was hers! “I was so excited, I couldn’t believe it. I called my parents, my friends, my

grandma, and they were so happy,� said Esther Esther, an information systems coordinator, had been searching for a home for herself and her grandmother when she learned about the Housing Fair and Housing Lottery from an email a coworker had sent her. “I was looking at houses online, but it seemed like such a big process and I’d have to save a lot of money for a down payment. I wasn’t sure where to start,� says Esther. “I thought the Housing Lottery might be a way for me to buy my first home.� After submitting a completed application and the appropriate documents, she received a call asking if she’d like to see the lottery house for herself. “I checked out the place. I loved it. Everything was brand new,� says Esther. What’s it like to own a home in Howard County?

/22.,1*)25$1(:3/$&(72/,9("$5( <28$+20(%8<(55(17(5/$1'/25' 25+286,1*67$.(+2/'(5"

tHis oPPortunity was a dreaM CoMe true, â&#x20AC;&#x153;i never tHougHt at tHis Point in My LiFe iâ&#x20AC;&#x2122;d

be abLe to Have a niCe, stabLe PLaCe For My daugHter and i to Live. i enCourage anyone tHatâ&#x20AC;&#x2122;s eLigibLe to aPPLy to tHe Housing Lottery. Kyla Sullivan 2012 HouSing LotterY Winner â&#x20AC;&#x153;Having my own home is great,â&#x20AC;? says Esther. â&#x20AC;&#x153;I feel safe and comfortable. I love my place, my neighborhood, my neighbors, everything!â&#x20AC;? The Housing Lottery is an opportunity that anyone looking for (or dreaming of) buying a home in Howard County shouldnâ&#x20AC;&#x2122;t pass up. People visiting the Housing Lottery page on the Housing Fair website often find the income and credit requirements are easier than they expect. If they meet the requirements, the Howard County


Housing Department makes the application process easy, as Kyla and Esther can attest. â&#x20AC;&#x153;This opportunity was a dream come true,â&#x20AC;? says Kyla. â&#x20AC;&#x153;I never thought at this point in my life Iâ&#x20AC;&#x2122;d be able to have a nice, stable place for my daughter and I to live. I encourage anyone thatâ&#x20AC;&#x2122;s eligible to apply to the housing lottery.â&#x20AC;? Preview the two homes included in the 2013 Housing Lottery and download an application at





Learn more at

Start out right with Ryan Homes, Howard Countyâ&#x20AC;&#x2122;s #1 Homebuilder. Now offering 11 communities of condos, townhomes and single-family homes convenient to Baltimore and DC, priced from $236,990.

Prices, offers, financing and availability subject to change without notice. See a Sales and Marketing Representative for details. NVR, Inc. is a recipient of the EPAâ&#x20AC;&#x2122;s 2011 and 2012 ENERGY STARÂŽ Partner of the Year Award - Large Builder, and Ryan Homes is an NVR brand. MHBR No. 56

Howard County Housing Fair 2013 EvEnt GuidE


over age 55 and looking for affordable housing in

space. Homes are being built by Bob Ward Companies, a 2007 Energy Star Partner of the Year.

Howard County? H oward County Housing offers opportunities to purchase new construction townhomes and condominiums at below market prices from well-known builders in several active adult and age-restricted communities for individuals over age 55 through our Moderate Income Housing Unit (MIHU) program.

for a jumbo loan that lives up to its name. Up to $2MM mortgage loans. Competitive interest rates. At PNC, we’re meeting the needs of homebuyers by offering jumbo mortgages for primary and secondary properties. A seasoned PNC mortgage professional will walk you through the application process, one step at a time. Talk with us today and see what makes us different.

■ MiHU Active Adult and Age-Restricted Rentals •AltaatRegencyCrest(age55+), ellicott City •Miller’sGrant(age62+),EllicottCity

■ MiHU Active Adult and Age-Restricted Homeownership Communities •LegacyatCherryTreePark,Laurel •GuilfordMews,Jessup •GatheringsatEllicottMills,EllicottCity •EllicottCrossing,EllicottCity •GatheringsatJeffersonPlace,EllicottCity

Community Highlights: LEGACY AT CHERRY TREE PARK:

These four-story elevator condominiums, for the active adult age 55 or better, are located off Route 216 in Laurel. These condominiums have two bedrooms, two baths, and 1,380 square feet. Condos are built by Ryan Homes.

We also offer resources for active adults in search of affordable rental housing in Howard County. There are several communities that offer reduced rents to income-eligible individuals and families through the MIHU program. For more information on income limits and unit availability in these communities, please contact the leasing offices directly. Learn about the MIHU program and view a full list of communities visit our website at or call (410) 313-6318, select option 4.

GUiLFORD MEWS: This 26-unit townhome community for the active adult age 55 or better is located off Jones Road in Jessup. The townhomes feature 3 bedrooms, 2 ½ baths, a one-car garage and 1560 square feet of living

MiHu inCoMe by HouseHoLd size: Maximum permitted income Effective January 1, 2013


Denise Switzer Market Manager (410) 925-1677 NMLS ID 593117

517 Main Street Laurel, MD 20707

PNC is a registered service mark of The PNC Financial Services Group, Inc. (“PNC”). PNC Mortgage is a division of PNC Bank, National Association, a subsidiary of PNC. All loans are provided by PNC Bank, National Association and are subject to credit approval and property appraisal. ©2013 The PNC Financial Services Group, Inc. All rights reserved. Member FDIC 112307

8 Howard County Housing Fair 2013 EvEnt GuidE

Household Size


RENT (60%)

























(410) 313- 6318 |

Attend Any of Our Education Sessions Taught by industry Experts Room 210

10:30 am

11:30 am

12:30 pm

Room 212

Room 216

Room 218

Room 222

Room 224

Room 228

Room 230

Room 232

Understanding Your Credit Report & Score CCCS of Md and De, Inc.

En espanol ~ Primero comprador de vivienda de tiempo (First-Time Home Buyer) Bank of America

Affordable Housing through the Moderate income Housing Unit (MiHU) Program Howard County Housing

Landlord-Tenant Essentials in Howard County Howard County Housing

Fair Housing— Know Your Rights and Responsibilities Baltimore Neighborhoods, Inc.

Being Successful in Today’s Real Estate Market The Bob Lucido Team of Remax Advantage Realty

Purchase & Renovate with One FHA 203K Loan Bank of America

Understanding Credit: How to Build, Maintain or Rebuild Good Credit Asian-American Homeownership Counseling, Inc.

Maryland Mortgage Program Buyer Assistance — For First-Time Programs & Down Homebuyers Payment Options MD Dept.of Housing Carrollton Bank & Community Development

Energy Efficiency in Your Home greeNEWit

Catastrophy Preparedness Liberty Mutual Insurance

Home Affordable Refinance Program (HARP) MD Dept.of Housing & Community Development

Buying a Short Sale The McIntire Home Team

Tips for Building and Repairing Your Credit Howard County Association of REALTORS®

The Home inspection: Know the Condition of a Home Before You Buy Pillar to Post Profeesional Home Inspection

insurance 101 for Renters and Homeowners Maryland Insurance Administration

First-Time Home Buyer My First Home

Your Keys to Your Financing Homeownership Options in Today’s in Howard County Competitive with (Hakha Chin Market Translation) Prudential PenFed Howard County Realty Housing

First-Time Home Buyer PNC Bank

Your Keys to Homeownership in Howard County Howard County Housing

First-Time Home Buyer Redfin

The Buyers Advantage to Being Pre-Approved Embrace Home Loans

The Homebuying Process 1st Mariner Bank

All classrooms located on the 2nd floor, elevator available. Each session lasts approximately :45 minutes | (410) 313- 6318

Affordable Housing through the Moderate income Housing Unit (MiHU) Program Howard County Housing

Schedule subject to change. preview current schedule at or at event.

Howard County Housing Fair 2013 EvEnt GuidE


Howard County Housing Helps Continued froM pg. 1

number of its own for-sale units. Additionally, HCH has limited, direct influence on the homeownership market in the County by offering special homeownership programs. The current program menu is as follows: â&#x2013; Moderate income Housing Unit (MiHU) Participants must be on the MIHU waiting list to be offered a homeownership opportunity. Rental opportunities must be applied for on site at the participating rental community. The MIHU Program offers quality new homes for sale at reduced prices and quality lease opportunities at reduced rents to eligible families. Customers interested in purchasing an MIHU must complete an application during one of the four open

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enrollment periods held throughout the yearâ&#x20AC;&#x201D;January, April, July and October. Customers interested in MIHU rentals can complete an application at one of the participating communities throughout the year. For more information about buyer and rental opportunities visit www. housingmihu.htm. â&#x2013; Housing Choice Voucher (HCV) for Homeownership Program Must be a HCV program participant to be eligible. â&#x2013;  Rehabilitation Loans Applications may be available July 1st. â&#x2013;  Settlement Downpayment Loan Program (SDLP) Loans are only given to homes purchased in Howard County and thru HCH.

offers you so many ways to enjoy Columbia!

Columbia Association (CA) is 93.5 miles of pathways, 3 lakes, 23 outdoor pools, 3 fitness facilities, 2 golf courses, an Art Center, an Ice Rink, Summer Camps, Before & After School Care and so much more! Learn more about all the great things CA offers, visit For information on a variety of membership offers and specials, visit

Keller Williams Select Realtors 10 Howard County Housing Fair 2013 EvEnt GuidE

(410) 313- 6318 |

■ Lease Purchase Program Stay tuned for more information about this new program.

Rental Programs

The most diverse and inclusive communities offer housing choices that accommodate the needs of renters and homeowners, and families of varying sizes and income levels. The cornerstone of such an accommodation is affordability. All of HCH’s rental assistance and housing programs offer varying levels of affordability—families pay 30%—80% of the area median income for rent. HCH is not an emergency housing agency, therefore immediate requests for housing assistance are not fulfilled. Because the demand for affordable housing outweighs the supply, all of HCH’s programs have a waiting list and applicants are contacted for eligibility interviews as their name reaches

the top of the waiting list. The length of time that a family waits for an eligibility interview cannot be predicted and is dependent upon funding or the availability of a unit. Howard County Housing’s menu of rental assistance and housing programs are as follows: ■ Housing Choice Voucher Program ■ County Rental Housing ■ Public Housing Effective July 1, 2012 all the waiting lists for the programs listed above are closed. ■ Rental Allowance Program (RAP) Applications will be accepted for one day only (Saturday, April 13th from 10am to 2pm) at the Housing Fair from current Howard County residents only. For more information visit

For more information contact us at (410) 313-6318 or visit our website at

Fair Housing is Your Right.

save tHe date the 2014 Come Home to Howard County Housing fair will be held on Saturday April 12, 2014.

introducing howard county’s premier sustainable community.

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7600 Monarch MillS Way • coluMBia, MD 21046 office hours: 9 am–6 pm (M–W) • 9 am– 7 pm (Th) • 11 am–6 pm (F) • 10 am–5 pm (S) • 12–5 pm (Su)

Directions: Take i-95 to exit 41a-41B for MD-175 towards columbia. continue on MD-175W to Snowden river Pkwy exit. Turn left, proceed 1.3 miles, turn left onto oakland Mills rd. after .5 miles. Monarch Mills will be on your left. | (410) 313- 6318

Howard County Housing Fair 2013 EvEnt GuidE 11

Making Home More

t To reserve a seat in the next Affordable Housing Through the Moderate income Housing Unit (MiHU) Program class please call (410) 313–6318 (use menu option 4, then 3).

More home to call your own. Bring in this ad to receive a FREE ENERGY STAR® washer & dryer!* Cherry Tree View Laurel, MD – 301-267-4100 LiMiteD opportunity! A perfectly situated enclave of gorgeous single-family homes in a highly sought after Howard County neighborhood.

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The Gatherings at Ellicott Mills ellicott City, MD – 410-461-4192 55 or better villa and condominium community with many amenities, including a pool and clubhouse! Just minutes to historic Main Street.


he MiHU Program is an inclusionary zoning program that requires developers of new housing in certain zoning districts to sell or rent a portion of the dwelling units built to households of moderate income. This program offers quality new homes for sale at reduced prices and quality lease opportunities at reduced rents to eligible families. Sale prices range from approximately $182,000 for a condominium to $277,000 for a townhouse, but vary depending on the size and amenities of the unit. Rents range from $1,113 to

$1,722 including utilities. Customers interested in purchasing an MIHU must complete an application during one of the four open enrollment periods held throughout the year—January, April, July and October. Customers interested in MIHU rentals can complete an application at one of the participating communities throughout the year. For the current participating rental communities please use the link below for more MIHU information: www.HowardCounty

embrace the possibility Whether it’s purchasing your first home or refinancing for a new kitchen, debt consolidation to make a fresh start, or to pay for a college education, Embrace Home Loans continues to help our neighbors finance their dreams.

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12 Howard County Housing Fair 2013 EvEnt GuidE

Embrace Home Loans, Inc. is a Licensed Mortgage Lender in DC, DE, MD, RI, VA, Licensed by the NJ Department of Banking and Insurance; Licensed Mortgage Banker by the New York Department of Financial Services; Licensed by the PA Department of Banking as a Mortgage Lender; Corporate National Mortgage Licensing System (NMLS) #2184. (

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YOU COULD QUALIFY FOR ONE OF THESE TWO HOMES FEATURED IN OUR HOUSING LOTTERY! Just download the application, submit by April 10, 2013 and attend the Housing Fair.



New Townhome in Ellicott City


This newly constructed, 1,682 square foot, 3-story townhome built by Ryan Homes, is located in the Ellicott Crossing community. The 3-bedroom, 2.5-bath home boasts 9' ceilings, GE appliances, 1 car garage and a 10-year warranty.

New Single-Family Detached Home in Elkridge

ld to be he at the h t 3 April 1 g Fair! Housin ESENT E PR MUST B WIN. TO

This new construction, single-family detached home features 3 bedrooms, 2 baths and 1,136 square feet of living space. Construction on the home will begin after the Housing Fair so the buyer will have an

opportunity to select some of the design finishes, such as siding, cabinetry, and flooring.

More info and download application: or call 410 - 313- 6318

(use menu option 4, then 3)

You must be a pre-qualified buyer before the event to be eligible to enter a lottery drawing to win the chance to purchase a home in Howard County at a substantially reduced price at the Housing Fair. Each home has different income requirements so it is unlikely that candidates would qualify for both homes offered in the lottery. PLEASE READ APPLICATIONS CAREFULLY FOR INCOME LIMITS. Candidates must pre-register for the drawing and submit all required paperwork by 5:00pm, April 10, 2013 and be present at the event on April 13th to be eligible to win. No applications will be accepted on the day of the fair. The lottery winner will be chosen at the Come Home to Howard County Housing Fair on April 13, 2013, at 1:30 p.m.

Looking for a new home or to refinance to a fixed-rate loan?


If you are considering shopping for a new home or simply interested in refinancing your current mortgage, call Bank of America today. Ask about our many home financing solutions available for qualified buyers, as well as how we can help put you in touch with a real estate professional in your area. Our local team is available to discuss your home financing questions.

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Restrictions apply. Not available in all areas. Limited to XFINITY® Internet Economy Plus service for new residential customers meeting certain eligibility criteria. Advertised price applies to a single outlet. Actual speeds vary and are not guaranteed. After initial participation, if a customer is determined to be no longer eligible for the program but continues to receive Comcast service, regular rates will apply. Subject to Internet Essentials program terms and conditions. Call 1-855-846-8376 for restrictions and complete details, or visit ©2013 Comcast. All rights reserved. Internet Essentials is a program to provide home Internet service for families. It is not a school program, and is not endorsed or required by your school. Your school is not responsible for Internet Essentials accounts.

( ) IE_Ad_Home_Success_Color_0313.indd 1 | 410 313 6318

Greater Chesapeake Office 443.837.0448 Greater Baltimore Office 410.884.7226

Refinancing may increase the total number of monthly payments and/or the total amount paid when compared to your current situation. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. Bank of America, N.A., Member FDIC. Equal Housing Lender. ©2010 Bank of America Corporation. ARC206E6 00-62-0195D 02-2012

3/18/13 10:01 AM

Howard County Housing Fair 2013 EvEnt GuidE 13

tHe BaLtiMore regionaL fair HouSing group: KNOW YOUR FAiR HOUSiNG PROTECTiONS! When you seek a home – either for rent or sale, the federal fair Housing act and state and local laws protect you from many kinds of discrimination proteCted CLaSS

federaL fair HouSing aCt

Race Color National Origin Religion Sex Familial Status Disability Marital Status Sexual Orientation Gender identity Creed Age Occupation Political Opinion Personal Appearance Source of income Ancestry

MarYLand CiviL rigHtS LaW

CitY of annapoLiS

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anne arundeL CountY

no local law – as in other jurisdictions, federal and Maryland protections apply.

BaLtiMore CitY ● ● ● ● ● ● ● ● ●

BaLtiMore CountY ● ● ● ● ●

Harford CountY

HoWard CountY

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Has it all...

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the Baltimore regional fair Housing group consists of agency representatives from Baltimore City and anne arundel, Baltimore, Harford and Howard Counties.

Howard County

Now all we need is You!

for more information, contact: Dan Pontious at 410-732-0500 x1055 or

Contact these local organizations directly for more information about your jurisdiction:

Riverwalk • Laurel, MD

Neo-Traditional & Traditional Garage Townhomes from the $360’s*

• Off I-95 & Rte 32 • Near Fort Meade •Easy access to DC, Columbia, Annapolis & Baltimore via new ICC/Rte. 200 • Open space, wooded backdrops, tot lot & walking trail to Historic Savage Mill shopping • Overlooks Little Patuxent River •Howard County schools • Front or rear garage designs • Up to 2,900+ sq. ft. • Up to 4 BR & 3 full, 2 half BA • Opt. lofts! 9318 Rock Ripple Lane • Phone: (301) 498-3694

Village Greens of Annapolis Annapolis, MD - Anne Arundel Co. Luxury townhomes starting at $349,900* Live-work townhomes starting at $399,900*

• Easy access to Parole Town Center, Annapolis Mall & Harbor Center • Convenient to Baltimore, Ft. Meade, Washington, DC & the Eastern Shore • Stone, brick & Craftsman-style architecture • 2,000 - 3,000 sq. ft. • 2-car garages • 3 finished levels • 3 Bedrooms • Designer kitchen • Open floor plans • Energy savings 600 S. Cherry Grove Ave. • Phone: (410) 263-6710

Open Daily 11am - 6pm. Brokers Welcome.**|

Baltimore County Human Relations Commission 410-887-5917

Howard County Office of Human Rights 410-313-6430

Baltimore Neighborhoods, inc. 410-243-4400

Annapolis Human Relations Commission 410-263-7998

Harford County Office of Human Relations 410-638-4739

Anne Arundel County Human Relations Commission 410-222-1234

Maryland Association of REALTORS® 1-800-638-6425

Baltimore City Office of Civil Rights & Wage Enforcement 410-396-3141

*Prices & incentives subject to change without notice. See Sales Manager for details. **Must register at site and comply with all policy terms. MHBR #453

14642_Craftstarhomes_HCHF_4.75X4.75.indd Howard County Housing Fair 1 2013 EvEnt GuidE

Maryland Commission on Civil Rights 1-800-705-3493

2/28/13 1:31 PM

(410) 313- 6318 |

Your partner in achieving financial goals


oward County Housing has forged a partnership with Consumer Credit Counseling Service of Maryland and Delaware (CCCS) to provide Howard County Housing rental customers, interested in homeownership, the guidance to achieve the goal of becoming a homebuyer. CCCS helps individuals and families resolve financial problems through confidential

budget counseling, debt management repayment programs, and community education. At the April 13, 2013 Come Home Howard County Housing Fair, CCCS will be hosting educational workshops. Certified credit counselors will also be on site to help attendees pull and review their credit reports. To make an appointment for a comprehensive counseling session,

CCCS financial counselors can be reached at 1-800-642-2227. Both phone and face-to-face counseling sessions are available, day or evening. In the confidential counseling session, certified counselors review expenses, income and spending habits, and help individuals make personalized action plans to manage debt, increase savings, create a spending plan, and achieve financial goals. For more information visit Aside from financial counseling, CCCS is also a HUD certified housing counseling agency and can help with foreclosure prevention, reverse mortgage counseling, and pre-purchase homebuyer education. Finally, CCCS is also able to help with pre-file bankruptcy counseling and pre-discharge bankruptcy education.

Meet CCCS at the Fair Bring your recent credit report for a one-on-one counseling session. You must sign up at the fair in the 2nd floor library to schedule a time.

The mortgage solutions you need from a bank you can trust. We have mortgages to fit every type of budget–including yours. And you can be confident that you’re working with a bank you can count on today and tomorrow.

TAlk WiTh A ChAse loAn offiCer TodAy. Maggie Martinek, Retail Lending Manager

T: 443-285-9777 NMLS ID: 512808

All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply. ©2011 JPMorgan Chase & Co. 2351F 0211 | (410) 313- 6318

Howard County Housing Fair 2013 EvEnt GuidE 15

Building futures. One home at a time. At BB&T, our local financial centers and local lenders keep us close to our clients. And our award-winning service continues to set the standard. So when you’re looking to buy, build or refinance a home, look first to BB&T. Our door is always open to share more than 140 years of financial knowledge – helping thousands of clients open doors of their own. Let’s get started today.

Stephen M. Smith, Howard County Area Executive 443.367.5261 ·






Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender. Loans are subject to credit approval. Only deposit products are FDIC insured. © 2013, Branch Banking and Trust Company. All rights reserved.

16 Howard County Housing Fair 2013 EvEnt GuidE

(410) 313- 6318 |

Howard County Housing Fair 2013 Event Guide  

Learn everything about living in Howard County at the 2013 Howard County Housing Fair on April 13.