Resources — House Hold Maryland
Guides · Tools · Assistance Programs

Homeowner Resources.

Free guides, toolkits, and connections to assistance programs for Maryland homeowners — available to everyone, no appointment required.

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Foreclosure Law
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Homeowner Toolkit
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Scam Prevention
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Assistance Programs
Maryland Foreclosure Law

Know your rights as a Maryland homeowner.

Maryland Foreclosure Timeline
Maryland is a judicial foreclosure state — foreclosure must go through the courts, giving homeowners more time and options. Learn the key milestones and your rights at each stage.
Download Guide PDF →
Right to Mediation
Maryland homeowners have the right to request mediation before a foreclosure can proceed. Learn how to file a request and what to expect from the process.
Download Guide PDF →
Understanding Your Mortgage Statement
A plain-language guide to reading your monthly mortgage statement — principal, interest, escrow, fees, and what every line means.
Download Guide PDF →
Loss Mitigation Options Explained
Loan modifications, forbearance agreements, repayment plans, short sales — understand every option available to you.
Download Guide PDF →
Homeowner Toolkit

Free downloadable resources.

Document Checklist
Foreclosure Counseling Checklist
Everything you need to gather before your first counseling session.
Download PDF
Hardship Letter Template
How to Write a Hardship Letter
A template and instructions for writing a hardship letter to your servicer.
Download Template
Budget Worksheet
Monthly Budget Worksheet
Track income and expenses and identify areas for adjustment.
Download PDF
Scam Prevention

Protect yourself from foreclosure rescue fraud.

🚨 Red Flags — If You See These, Walk Away
✗Asks you to sign over the deed to your home
✗Charges upfront fees before providing any service
✗Guarantees to stop foreclosure or save your home
✗Tells you to stop communicating with your servicer
✗Pressures you to act immediately or sign quickly
✗Asks you to make mortgage payments to them, not your servicer
State & County Assistance

Programs that may help you.

Maryland Homeowners' Tax Credit
Reduces property taxes for qualifying homeowners based on income. Applications due September 1 annually.
Apply at dat.maryland.gov →
Maryland Homeowner Assistance Fund
Emergency assistance for homeowners who experienced pandemic-related financial hardship. Check current availability.
Learn more at mdhaf.org →
Maryland Energy Assistance (MEAP)
Utility bill assistance for low-income Maryland households through local DSS offices.
Contact us for referral →
Water4All Program
Income-based water and sewer bill assistance for Maryland residents offered through local water utilities.
Contact us for referral →
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