Maryland homeowners
Resources for Homeowners
We've received more requests from homeowners this year than in previous years, for resources relating to mortgage relief and mortgage counseling, home repair assistance, and other homeowner resources. Here are some resources that may help -- be aware that programs sometimes close their application portal and run out of funds. Contact each agency directly to get more information about income requirements and availability. We will add additional resources as they become available! Allegany County Foreclosure Prevention Anne Arundel County Foreclosure Prevention Baltimore City LIGHT Intake & Assessment Unit - Home Repairs and Grants Lead Hazard Reduction (also available to ...
Maryland’s Property Tax Credit Season is Open!
Good news! Maryland residents may be eligible for a Homeowners’ or Renters’ Tax Credit that can provide significant financial relief. Here’s a quick overview of the two programs: Homeowners’ Property Tax Credit Application Available to Maryland homeowners of all ages. Under Maryland law, you may be eligible for a substantial credit on the property tax bill issued for your home, based on your gross household income. The credit is calculated solely on total household income — including wages, Social Security, pensions, Railroad Retirement, Veterans’ benefits, and other sources, even if they are nontaxable. If the actual property taxes on your ...
Act Now! Protect Debtors, Homeowners, and Tenants This Legislative Session!
Monday, March 23 is crossover day for Maryland’s General Assembly. This means that legislation needs to pass out of one chamber and cross to the opposite chamber by midnight on that date to have a good chance of passing this legislative session. Almost all of the bill hearings are done, so the next few days are crucial. Advocates are racing to ensure priority legislation makes it onto committee voting lists, moves out of committee, and passes on the House or Senate floor. All the while, monied interests are working hard to ensure bills die in committee, are weakened to the ...
Keep People Housed — Take Action to Pass Key Reforms in 2026!
This past weekend marked the halfway point in Maryland’s 90-day legislative session. As we cross that benchmark, another, more critical deadline looms: March 23. This is crossover day, which means a bill has to have passed out of one chamber and crossed over to the opposite chamber to have a good chance to make it across the finish line this session. Several critical housing bills haven’t been voted on, and we need your help to get them on the vote lists and out of committee as the clock ticks down. Take action today! Corporate landlords and property managers are trying ...
Action Alert: Help Put a Stop to Zombie Mortgages in Maryland!
Everyday Marylanders are struggling with the skyrocketing costs of basic goods and services. As many costs soar out of control, it makes everything else harder to afford too. Many Maryland homeowners are having a hard time paying their mortgages. In fact, Maryland has the sixth-highest foreclosure rate in the country. Some Maryland homeowners have also faced a terrifying zombie foreclosure. In the early 2000s, lenders were qualifying some home buyers for mortgages using an 80/20 loan, where the homeowner holds a first and second loan simultaneously. When the mortgage bubble crashed, these second loans became worthless and many homeowners thought ...
Maryland Renters and Homeowners Tax Credit Assistance
Two additional SOAR sites have been added, so Maryland tenants and homeowners can get assistance with the Maryland Renters and Homeowners Tax Credit applications. Starting, Wednesday, July 1, 2025 our SOAR staff will be at the Community Action Partnership Center Northwest location, 3939 Reisterstown Road, Baltimore, Md 21215 until October 1, 2025. They are available every Wednesday, from 10:00 AM until 2:00 PM. They will also help Maryland renters and homeowners at St. Mary's Outreach Center Tuesdays until September 2, 2025 from 10:00 AM until 2:00 PM, 3939 Roland Ave, Baltimore, Md 21211. If you need additional help with the ...
2025 End of Session Report
Yesterday was the last day of the legislative session and although it was a cool, gray, rainy day, there were still moments when the rain stopped, and the sun burst through. This is an apt description of this year's legislative session as well. At a time when economic protections and policies to promote racial equity are being decimated, and the Consumer Financial Protection Bureau is currently on life support, Maryland’s General Assembly passed some great bills, some good bills, and some very bad bills for working families. Below are some of the bills that Economic Action was thrilled to lead ...
Help Protect Maryland Homeowners from Foreclosure!
Maryland, Alabama, and Connecticut are the only three states in the country that do not have a statute of limitations for foreclosures. Statutes of limitations establishes the time limit for bringing a foreclosure action. Essentially, it means that if a homeowner misses mortgage payments, a foreclosure action must begin before the time runs out. This provides clarity for the homeowner and ensures that mortgage servicers have an incentive to work with homeowners to refinance the mortgage to a more affordable payment or begin foreclosure proceedings in a timely fashion. Forty-seven states already do this which means that mortgages lenders and ...
Protect Maryland Residents from Foreclosure on Zombie Mortgages!
Maryland, Connecticut, and Alabama are rarely thought of as a trio; they are located in different regions in the U.S. with distinct food, culture, cities, and natural environments. They share one unfortunate trait: Maryland, Alabama, and Connecticut are the only three states in the country that do not have a statute of limitations for foreclosure. Statutes of limitations establishes the time limit for bringing a foreclosure action. Essentially, it means that if a homeowner misses mortgage payments, a foreclosure action must begin before the time runs out. This provides clarity for the homeowner and ensures that mortgage servicers have an ...
Homeowners’ Property Tax Credit
What is the Maryland Homeowners' Property Tax Credit? The Homeowners’ Property Tax Credit caps a person’s property tax on a sliding scale based on income — many homeowners have received more than $1,000 dollars back. It could be the difference between losing or keeping your home. Too few homeowners eligible for this tax credit even know it exists. Don’t leave money on the table — take the credit! The State of Maryland developed a program which allows credits against the homeowner's property tax bill ...