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The Accessibility Modifications Program is available throughout Anne Arundel County for income eligible, disabled homeowners who are in need of accessibility modification to their home. The Program offers a zero interest, deferred payment loan for qualified homeowners.

The Program offers a comprehensive approach to assisting homeowners address accessibility modification repairs. ACDS oversees the entire rehabilitation process from application intake, to assisting with the contractor selection, to construction completion. By working directly with the homeowner and contractor, ACDS ensures the rehabilitation is completed in a timely and workmanlike manner. If it is determined that the home is in need of additional repairs beyond the accessibility modifications, the homeowner may also apply to the Property Rehabilitation Program for additional assistance.

Am I eligible for the Accessibility Modifications Program?

To be eligible for the Program, homeowners must:

  1. (1)  own and occupy a home in Anne Arundel County (excluding the City of Annapolis);
  2. (2)  be disabled as defined through an interview with the County's Department of Health; and
  3. (3)  have a household income at or below the limits listed in the following chart.

Income Limits for a CDBG/HOME Loan
No Payments

Household Size 1
Person
2
Person
3
Person
4
Person
5
Person
6
Person
Income Limit $45.500 $52,000 $58,500 $65,000 $70,200 $75,400

Income Limits for a State Deferred Loan

Household Size 1
Person
2
Person
3
Person
4
Person
5
Person
6
Person
Income Limit $30,850 $35,250 $39,650 $44,050 $47,550 $51,100

Income Limits for a State Loan
With Payments

Household Size 1
Person
2
Person
3
Person
4
Person
5
Person
6
Person
Income Limit $46,032 $52,608 $59,184 $65,760 $74,898 $86,420

As income limits are subject to periodic adjustments, you may want to call our office to confirm your eligibility.

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How do I apply for Accessibility Modification Program funds?

Call (410) 222-7600 or e-mail info@acdsinc.org to request a pre-application or download one here. If you call during non business hours, please leave a message requesting a pre-application for the Accessibility Modifications Program and leave your name, phone number and mailing address. A pre-application will be mailed to you on the next business day. Please complete the pre-application and mail to:

Arundel Community Development Services, Inc.
2666 Riva Road, Suite 210
Annapolis, MD, 21401

Upon receipt of your pre-application, we will send a letter, confirming the fact that your pre-application has been received, along with the name of the Housing Financial Advisor and Construction Specialist assigned to your case. The Housing Financial Advisor will then contact you to schedule a time to meet with you to take a full application and to explain the program.

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Frequently Asked Questions

  1. How long will the entire process take?
  2. What is involved in the process?
  3. Can I choose my own contractor?
  4. What type of rehabilitation work is eligible under this program?

1. How long will the entire process take?

Each job is different, depending on the amount of financial information needed, the amount of rehabilitation work to be completed, and the selected contractor's timeframe. We estimate that the entire process could take about 12 months from the initial application.

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2. What is involved in the process?

The process begins with an appointment with a Housing Financial Advisor and Construction Specialist at your home. At that initial appointment, the Housing Financial Advisor and homeowner complete an application, while the Construction Specialist walks through the property and discusses the needed repairs with the homeowner. After the initial appointment, the Housing Financial Advisor will contact the Anne Arundel County Department of Health and request that an evaluation be performed at your home. This evaluation certifies that you are disabled and details the accessibility modifications needed to meet your needs. Once the Housing Financial Advisor receives the Department of Health’s evaluation, the Housing Financial Advisor and Construction Specialist begin processing your application to determine your eligibility. The process then moves forward with the Construction Specialist preparing a scope of work and the Housing Financial Advisor completing the loan process.

The Housing Financial Advisor will then run a financial feasibility analysis to determine what funds you qualify for and what type of funding is available. Simultaneously, the Construction Specialist will complete a construction feasibility analysis, which outlines the work needed and the estimated cost associated with that work. Once your case is approved for funding, the Construction Specialist will develop a detailed written scope of work and then initiate the contractor procurement process. The Construction Specialist will then help you secure a contractor through a competitive bid process if you do not already have a contractor identified. Once a contract is drawn up, we will coordinate with other funding sources to ensure they are in place and final underwriting will occur.

Once your loan is settled, ACDS will hold the funds in an escrow account and send a notice to the contractor for rehabilitation work to proceed. The Construction Specialist will work with you to review all work and approve any draw requests during the construction process. The Construction Specialist will also conduct a final inspection to ensure that all work was completed as specified.

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3. Can I choose my own contractor?

All contracts are between you, the homeowner(s), and the contractor. You may select a "preferred" contractor if you wish; however, the preferred contractor must be approved by ACDS before a construction contract is awarded. If you do not have a preferred contractor, a Construction Specialist will work with you to develop a request for bids and solicit bids from qualified contractors. As a homeowner, you may select any contractor who responds to the bid request and meets our program requirements including our cost reasonableness test. The qualified contractor must be licensed and insured and provide evidence of home improvement experience.


4. What type of rehabilitation work is eligible under this program?

The only work eligible through this program is work identified as needed to meet your accessibility requirements in the report prepared by the County Department of Health. This work may include the installation of ramps, widening of hallways and doorways, and modifications to bathrooms and kitchens.

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