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Maryland Department of Housing and Community Development

Housing Notices

Required notices and information from the Maryland Department of Housing and Community Development for homebuyers, mortgage lenders, financial institutions, homeowners, and other housing professionals. 

Homebuyer and mortgage lending notices

Notice to financial institutions offering first-time homebuyer savings accounts

​​​​​​​Financial institutions that offer first-time homebuyers savings accounts under §10-208(y) of the Tax-General Article, ​Annotated Code of Maryland, shall provide in substantially the same form as the following to each account holder:

Notice Regarding Housing Counseling

You are receiving this notice because you have established a first-time homebuyers savings account with ​___________________________. ​Prior to purchasing a home with a loan, the State of Maryland recommends that all residential mortgage loan applicants receive homebuyer education or housing counseling from a nonprofit or government agency before signing any documents that commit them to a loan. You should be certain that you understand the terms of the loan being offered to you in these documents before you commit in writing. If you do not pay a loan according to its terms, you could lose your home.

The Maryland Department of Housing and Community Development (the “Department”) has provided contact information for nonprofit and government agencies certified by the U.S. Department of Housing and Urban Development that provide homebuyer education or housing counseling. You may find this list on the Department’s website: Maryland Mortgage Program's Homebuyer Education.

Counseling advisory notice

The Maryland Department of Housing and Community Development provides guidance for lenders regarding the homebuyer notice requirements under §12-1303 of the Commercial Law Article and the federal Real Estate Settlement Procedures Act (RESPA).

Housing counseling notice

The State of Maryland recommends that all residential mortgage loan applicants receive home-buyer education or housing counseling from a nonprofit or government agency before signing any documents that commit them to a loan.

For current list, visit the U.S. Department of Housing and Urban Development's directory of HUD-approved housing counseling agencies.

Condominium and homeowners association notice

Condo and HOA document disclosure fee adjustments

Pursuant to Article - Real Property 11-135 (c) and 11-B-106 (c) of the Annotated Code of Maryland, as of October 1st, 2024, the maximum fee a council of condominium unit owners or homeowners' associations, respectively, may charge to fulfill document requests under those sections is $311.24. Please note, fees are not to exceed actual costs.

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