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Brooklyn Park Rehab Masthead
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The Brooklyn Park Property Rehabilitation Program helps homeowners within the Brooklyn Park community make substantial repairs to their homes. This program provides loans and deferred loans to homeowners on specific streets within the Brooklyn Park community to renovate their homes in accordance with specific standards established for the program.

If you own and live in a townhouse within this specific area you may be eligible for three different programs. The majority of the funds needed to rehabilitate your home will be provided at a zero percent interest rate with payment deferred for 30 years, similar to the Property Rehabilitation Program. In addition, you will be required to make certain exterior improvements to your property as defined by the program's property standards. If the funds available through the Property Rehabilitation Program are not sufficient to meet the property standards, an additional $20,000 may be available to help you meet these standards. The additional $20,000 is provided in the form of a loan with a term of 15 years at zero percent interest with 50 percent of the funds being forgiven at the end of year five.

Rehabilitation work can include replacing heating and ventilation systems, upgrading electrical and plumbing systems, installing new doors and windows and other improvements required by the program.

Am I eligible for the Brooklyn Park Property Rehabilitation Program?

To be eligible for this program, you must:

  1. (1)  own and occupy a townhouse located in Brooklyn Park on Ballman Court, Brookwood Road, Southerly Road, Patrick Henry Drive, 4th Street, Wasena Avenue, Wood Street, Cross Street, 1st Street, E. 11th Avenue, Victory Avenue or Dell Street,
  2. (2)  agree to do the exterior improvement to your home as defined by the program's property standards, and
  3. (3)  have a household income at or below the limits listed in the charts below.

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 Brooklyn Park Rehabilitation funds?

Call (410) 222-7600 or e-mail info@acdsinc.org to request a pre-application, or download a copy here. If you call during non business hours, please leave a message requesting a pre-application for the Brooklyn Park Rehabilitation 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 it 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. Where is the program available?
  2. What exterior enhancements are required?
  3. What are the loan terms?
  4. How long will the entire process take?
  5. Can I choose my own contractor?
  6. What documentation will I need to provide to show I am income eligible?

1. Where is the program available?

The program is available to townhouse homeowners in Brooklyn Park on Ballman Court, Brookwood Road, Southerly Road, Patrick Henry Drive, 4th Street, Wasena Avenue, Wood Street, Cross Street, 1st Street, E. 11th Avenue, Victory Avenue or Dell Street.


2. What exterior enhancements are required?

Exterior enhancements include, but are not limited to, installing a molded cornice, installing trim around the front door, and enhancing all windows on the front of the house with window shutters or flower boxes, landscaping, uniform mailboxes and house numbers. Your Construction Specialist will review with you the exterior enhancements required on your townhouse.

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3. What are the loan terms?

Typically, the program provides loans to eligible borrowers at a zero percent interest rate with payment deferred for 30 years, depending on the funding source.

If the rehabilitation is funded with a loan from CDBG funds, it is secured by a mortgage against the property. This loan will not require a monthly payment nor accrue interest. This loan will be due and payable (i) if the property is no longer the owner’s principal residence; (ii) if the property is sold or transferred; or (iii) in 30 years.

If the rehabilitation is funded with a loan from the State of Maryland Special Loan Program, the payment terms can vary. Deferred loans will not require a monthly payment of principal and interest, but may have a lump sum payment due at the end of the deferred period, which may be as long as 30 years, depending upon the homeowner’s eligibility. Some loans may require a monthly payment.

If part of your financing includes a Community Legacy loan, the loan will have a term of 15 years at zero percent interest, with 50 percent of the loan forgiven at the end of five years. There will be payments, amortized over 15 years, on the other half of the loan, with the balance due and payable at the end of 15 years.

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4. 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.


5. 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.


6. What documentation will I need to provide to show I am income eligible?

To document that you are eligible, you will need to provide copies of all sources of income you and your household members receive, including pay stubs, Social Security statements, child support statements, retirement statements, interest statements from bank and investment accounts, and income tax returns.

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