# Housing and Community Development (GHS)

## Title 4. Division of Development Finance

### Subtitle 16. Residential Mortgage Programs for Certain Counties

#### Section 4-1601

(a) In this subtitle the following words have the meanings indicated.

(b) "Covered county" means:

  (1) a county that has adopted home rule powers under Article XI-F of the Maryland Constitution; or

  (2) Anne Arundel County, Calvert County, Frederick County, Howard County, or Washington County.

(c) "Family of low or moderate income" means a family or individual that a covered county determines cannot afford a price or rent sufficient to induce private enterprise in the covered county to build enough adequate, safe, and sanitary housing without the assistance of a program.

(d) "Program" means a residential mortgage program under this subtitle.

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Md. Code Ann., Hous. & Cmty. Dev. (as displayed at mgaleg.maryland.gov, October 16, 2026)