Becoming an Approved Lender

​​​​Lenders that wish to offer the Maryland Department of Housing and Community Development's portfolio of mortgage products (Maryland Mortgage Program) and/or Mortgage Credit Certificates (Maryland HomeCredit Program) to borrowers must be approved by the Department's Community Development Administration - Maryland's housing finance agency.

All lenders participating in these programs MUST maintain an origination branch within the State of Maryland to maintain their accreditation.

Training is required prior to lender approval. Please see Training Presentations and Webinar Information on the Training Opportunities page.

There is a Lender Participation Fee of $2,500.00 for the Maryland HomeCredit Program; this is waived for lenders who are approved to offer the Maryland Mortgage Program.

For any questions regarding this approval process, your accreditation status or to talk to someone about the benefits of becoming an approved lender, please email ​SingleFamilyHousing.dhcd@maryland.gov.

Application Documents

Instructions for Submitting Lender Applications​

1. Current Maryland Mortgage Program Lenders - Application to Become an Approved Maryland HomeCredit Lender

Note: All lenders must take the Maryland HomeCredit Program training in order to successfully offer the program. Visit the Training Opportunities page for resources.

Documents to be Submitted

• Maryland HomeCredit Lender Agreement
• Lender Contacts Form
• Opinion of Counsel with Resolutions:
• • For those lenders who have not submitted an Opinion of Counsel for Maryland Mortgage Program:
  • • Combined Opinion of Counsel with Resolutions (Exhibit A-1)
    • Addendum to Exhibit A-1
  • For those lenders who have already submitted an Opinion for Maryland Mortgage Program:
  • Opinion of Counsel (Exhibit A-2)
  • Resolutions - Addendum to Exhibit A-2.

2. Application to Become B​oth an Approved Maryland Mortgage Program AND Maryland HomeCredit Lender

Documents to be Submitted

• Maryland HomeCredit Lender Agreement
• Mortgage Origination Agreement (Instructions for completing MOA)
• Lender Contacts Form
• Combined Opinion of Counsel (Exhibit A-1)
• Resolutions - Addendum to Exhibit A-1

Maryland Mortgage Program​ lender applicants must be approved by US Bank, our master servicer. US Bank can be contacted at lender.management@usbank.com or by calling 800-562-5165 option “4.”

3. ​Application to Become an Approved Maryland Mortgage Program Lender Only​

Documents to be Submitted

• Mortgage Origination Agreement (Instructions for completion Mortgage Origination Agreement​)
• Lender Contacts Form
• Mortgage Origination Agreement Opinion of Counsel (Exhibit A-3)
• Resolutions - Addendum to Exhibit A-3

Maryland Mortgage Program lender applicants must be approved by US Bank, our master servicer. US Bank can be contacted at lender.management@usbank.com or by calling 800-562-5165 option “4.”

4. Application to Become an Approved Maryland HomeCredit Lender Only

Documents to be Submitt​ed

• Maryland HomeCredit Lender Agreement
• Opinion of Counsel (Exhibit A-2)
• Resolutions - Addendum to Exhibit A-2
• Financial and Other Information (Exhibit B)
• Addendum to Exhibit B
• Lender Contacts Form
• • This includes agency approval numbers. ​If a lender is not FNMA, FHLMC, or GNMA approved, then the lender must submit Exhibit B together with the attached list of required documentation (Attachment B-1).
• ​Lender Participation Fee of $2,500.00 (in a cashiers check or other form previously approved by the Maryland Department of Housing and Community Development)