We offer second mortgage financing to new homebuyers who meet specific guidelines through multiple programs. The Critical Workforce Mortgage Program (CWF) was established to ensure Queen Anne’s County continues to have an adequate supply of workers in those jobs which are critical to the safety and well-being of our county residents.
Another loan program is the Moderately Priced Dwelling Unit Program (MPDU). This program was established to provide affordable new housing to people with moderate incomes. Program is available to individuals and families earning 80 percent of the median income.
Both affordable loan programs cannot exceed 33% of the total purchase price or $50,000 and other specific income criteria may apply.
For more information contact Anne Van Benschoten at (410) 758-3977 ext. 2064.
Critical Workforce Home Loan Program Forms
Teacher employed full time by Queen Anne's County Board of Education
Law enforcement officers, including correctional officers, employed full time in Queen Anne's County by County or municipal government
Emergency Medical Technician employed full time in Queen Anne's County
Queen Anne's County Emergency Dispatchers
An active member of a Queen Anne's County Volunteer Fire Company for the past 12 months
This includes both firefighters and Emergency Medical Technicians
The President of the County Volunteer Chief's Association must certify eligibility for this category
Moderately Priced Dwelling Unit (MPDU) Rental Program
Limited rental units are available through the MPDU Rental Program. Individuals and families who make 80% of the median income or less may qualify for the program. DHCS determines eligibility and qualifies potential applicants.