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Community Resources

Colleagues Working Together

At FCAR, we believe in the comfort that comes from being a part of a strong community. We've assembled a list of other community organizations that feel the same way.


These groups have different strengths and abilities to help. We encourage you to contact these organizations directly to find out about the assistance they offer.  

Local Resources

The Religious Coalition

27 DeGrange St., 
Frederick, MD 21701

301-631-2670 (phone)

240-215-3019 (fax)
240-215-3018 (Shelter Fax)

✬ Rental Assistance

✬ Emergency Housing

✬ Emergency Needs

Maryland Mortgage Program

7800 Harkins Road

Lanham, MD 20706 
800-638-7781 or 
301- 429-7852

✬ Homebuying Education

✬ Closing Cost Assistance

✬ Down Payment Assistance

The Housing Authority of the City of Frederick

209 Madison Street
Frederick, MD 21701

301-662-8173 (phone)

✬ Public Housing Program

✬ Housing Choice Voucher Program

✬ Hope IV Homeownership Program

Prosperity Center

Bernard W. Brown Community Center
629 N Market
Frederick, MD  21701

301-663-4231 (phone)

✬ Asset Development

✬ Financial Education

✬ Expanding Opportunity and Building Hope

Frederick Community

Action Agency

100 South Market St.

Frederick, MD 21701

301-600-1506 (Main)

301-600-3955 (Direct)

✬ Housing Counseling

✬ Weatherization

✬ Energy Assistance

Interfaith Housing Alliance

5301 Buckeystown Pike, Suite 320

Frederick, MD 21704

301-662-4225 (phone)

301-662-6477 (fax)

✬ Homeownership 

✬ Affordable Rental Housing

✬ Housing and      Credit/Financial Counseling

United Way of Frederick County

7800 Harkins Road

Lanham, MD 20706 
800-638-7781 or 
301- 429-7852

✬ Prosperity Savings Account Program

✬ Volunteer Income Tax Program

✬ Down Payment Assistance

Frederick Cty. Dept. of Housing and Community Development

12 E. Church St.

Frederick, MD 21701

 301-600-9000  (phone) 

✬ Deferred Loan Program

✬ Homebuyer Assistance Program

✬ Emergency Housing Rehabilitation

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Sold on Frederick II

The Community Development Block Grant (CDBG), a grant from the Department of Housing and Urban Development, funds the Sold on Frederick II program. Funding is being used to allow homebuyers to borrow the money needed for the down payment and closing costs when purchasing a home.

CDBG provides citizens access to affordable to homeownership in The City of Frederick. Click on the link below to learn more about this exciting program.

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Community Foundation Human Needs Assesment

The Community Foundation commissioned and has completed the 2018 Frederick County Human Needs Assessment to continue the work started in 2011 to help determine the most pressing needs in Frederick County.  The purpose of this work is to provide the greatest positive community impact over the next five to ten years through its grantmaking and scholarship programs and to provide a solid, unbiased assessment of greatest needs as identified now and trends for the future.

The results of the 2018 Human Needs Assessment elevate the following as high priorities in Frederick County:

  • Supporting families with children.

  • Preparing for a growing elderly population.

  • Responding to a substance use disorder.


These three issues include important elements of the human needs identified by the 2011 effort.

State-Wide Resources

Homeownership for Individuals with Disabilities

An affordable home loan option for families in which one of the borrowers is disabled or has a child who is disabled, or where one of the borrowers is a guardian for an immediate family member who is disabled.

Department-Owned Properties

The Maryland Department of Housing and Community Development owns single-family properties that may be purchased by homebuyers, non-profit organizations and public housing authorities.

Maryland WholeHome

Maryland WholeHome grants and loans can be used to upgrade to energy efficient appliances, repair or replace heating and cooling systems, replace insulation, add accessibility features for seniors or those with special needs, remove lead paint, upgrade plumbing, and address structural and maintenance issues.

Section 8 Housing Choice Voucher Program

The federal Section 8 Housing Choice Voucher Program is a rental assistance program that subsidizes the rent of lower-income families through the use of federal funds.

Foreclosure Prevention (MD Hope)

Housing Counseling Agencies are available around the state of Maryland to assist homeowners who are dealing with a potential foreclosure.

Community Services Block Grants

The Community Services Block Grant program provides a range of services designed to assist low-income people to attain the skills, knowledge, and motivation needed to achieve self-sufficiency in all of Maryland’s 24 counties through Community Action Agencies.

Community Legacy

The Community Legacy program provides local governments and community development organizations with funding for essential projects aimed at strengthening communities through activities such as business retention and attraction, encouraging homeownership and commercial revitalization.

Multifamily Bond Program

The purpose of the Multi-Family Bond Program is to increase the construction and rehabilitation of multi-family rental housing for families with limited incomes. Tax-exempt and taxable bonds and notes provide below-market and market rate construction and permanent financing. Taxable bonds provide market-rate construction and permanent financing to leverage federal Low-Income Housing Tax Credits, and to finance projects and activities which are ineligible for tax-exempt bonds.

Low Income Housing Tax Credits

Tax Credits are awarded on a competitive basis to nonprofit and for-profit sponsors of eligible housing projects. Awards are based on the criteria outlined in the State's Allocation Plan. Projects financed with tax-exempt bonds may be eligible for Tax Credits outside of the competitive process. Project sponsors, or in the case of syndication, investors claim the Tax Credit on their federal income tax return.

Rental Housing Funds

The Department's Rental Housing Funds are composed of a number of programs all of which aim to rehabilitate or create rental housing. Although there are specific programs for housing rehabilitation, nonprofit sponsors and elderly housing, the department allocates these funds collectively to best provide for rental housing in the State. A portion of the federal HOME moneys administered by the State also are included in Rental Housing Funds. The programs are generally designed to be compatible with tax-exempt or taxable bond financing, low-income housing tax credits, and other private or public funds.

Rental Housing Works Program

The purpose of Rental Housing Works is to create jobs and strengthen the Maryland economy by providing gap financing for the creation and preservation of affordable rental housing financed through the Maryland Department of Housing and Community Development’s Multifamily Bond Program and Low Income Housing Tax Credit Program.

Partnership Rental Housing Program

The purpose of the Partnership Rental Housing Program is to expand the supply of affordable housing for low-income households. Projects financed through the Partnership Rental Housing Program typically involve a partnership between State and local governments.

Group Home Program

The purpose of the Group Home Program is to help individuals, qualified limited partnerships, and nonprofit organizations to construct or acquire or acquire and modify existing housing to serve as a group home or assisted living unit for eligible persons and households with special housing needs or to refinance mortgages on existing group homes.

Maryland Affordable Housing Trust

The Maryland General Assembly created the Maryland Affordable Housing Trust in 1992 to make affordable housing more available throughout the State of Maryland. The Trust is governed by a Board of Trustees and staffed by the Maryland Department of Housing and Community Development. A portion of the interest generated by title company escrow provides the funding for the Maryland Affordable Housing Trust.

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