Become an Approved Lender
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Approved lenders help expand affordable homeownership across Maryland. When you join our statewide network, you gain exclusive access to specialized products including:
- Fixed-rate loans with competitive interest rates
- Down payment assistance through a 0% deferred second loan
- Student debt repayment options to help more borrowers qualify
- Federal mortgage tax credits that lower tax liability
To offer our products, you must be approved by the Community Development Administration (CDA), Maryland’s housing finance agency. Our approval process ensures all partners meet required training and compliance standards.
Learn more about the Maryland Mortgage Program (MMP)
General requirements to become an approved lender:
- Maintain an origination branch in Maryland
- Complete required training before approval
- Get approval from US Bank, our master loan servicer
Lender Application Documents
Before beginning, please review the Instructions for Submitting Lender Applications - PDF - 315.95 KB for complete details on the approval process.
Choose the application path that matches your organization's goals. Expand each section to find your required documents.
Required documents:
- Maryland HomeCredit Lender Agreement - PDF - 163.72 KB
- Mortgage Origination Agreement (MOA) - PDF - 342.41 KB
- Lender Contacts Form - PDF - 131.24 KB
- Combined Opinion of Counsel (Exhibit A-1) - DOCX - 47.6 KB
- Resolutions - Addendum to Exhibit A-1 - DOCX - 41.86 KB
Additional requirement:
You must also be approved by US Bank, our master servicer. Please contact them at:
Email: [email protected]
Phone: 800-562-5165 (option 4)
Required documents:
- Mortgage Origination Agreement (MOA) - PDF - 342.41 KB
- Lender Contacts Form - PDF - 131.24 KB
- Counsel Opinion - Form Opinion (102017) - EXHIBIT A-3.docx - DOCX - 30.38 KB
- Resolutions - Addendum to Exhibit A-3 - DOC - 44.5 KB
Additional requirement:
You must also be approved by US Bank, our master servicer. Please contact them at:
Email: [email protected]
Phone: 800-562-5165 (option 4)
This path is for current MMP-approved lenders who want to offer Mortgage Credit Certificates (MCC). MCCs give eligible homebuyers a federal tax credit to lower their tax liability.
Important: The Maryland HomeCredit Program is currently closed to new applications. We do not plan to re-open it in the immediate future. Lenders can still submit applications to help homebuyers re-issue MCCs for refinancing existing loans.
Training: You must complete the Maryland HomeCredit Program training in order to offer this program.
Required documents:
Opinion of Counsel with Resolutions:
- If you have not submitted an Opinion of Counsel for MMP:
- If you already submitted an Opinion of Counsel for MMP:
Note: Before you apply, please email [email protected] to check for any additional required documents.
This path is for lenders who only want to offer Mortgage Credit Certificates (MCC). MCCs give eligible homebuyers a federal tax credit to lower their tax liability.
Important: The Maryland HomeCredit Program is currently closed to new applications. We do not plan to re-open it in the immediate future. Lenders can still submit applications to help homebuyers re-issue MCCs for refinancing existing loans.
Training: You must complete the Maryland HomeCredit Program training in order to offer this program.
Participation fee: A $2,500 lender participation fee is required. Payment must be made by cashier’s check or another form approved by Maryland Department of Housing and Community Development (DHCD).
Required documents:
- Maryland HomeCredit Lender Agreement - PDF - 163.72 KB
- Opinion of Counsel (Exhibit A-2) - DOCX - 47.38 KB
- Resolutions - Addendum to Exhibit A-2 - DOCX - 42.57 KB
- Financial and Other Information (Exhibit B) - PDF - 13.3 KB
- Addendum to Exhibit B - PDF - 21.14 KB
- Lender-Contacts-Form.pdf - PDF - 131.24 KB
Note: Before you apply, please email [email protected] to check for any additional required documents.
Ready to Apply?
Follow these steps to complete your application process:
- Email your application:
- Send a full set of documents to [email protected].
- Ensure each item is attached as a separate file rather than scanned into a single document.
- Mail original signatures (if required): If you are not using e-signatures, mail the "wet signature" versions originals of your legal documents to our Lanham office:
ATTN: CDA/MMP Lender Approval
7800 Harkins Road, 3rd Floor, Lanham, MD 20706 - Start US Bank approval: If you are applying for MMP, begin your separate approval process with US Bank, our master servicer.
- Complete required branch training: After your legal documents are approved, we will schedule training for your team. Training must be completed before final approval.
Questions?
To ask about the approval process, your accreditation status, or the benefits of becoming an approved lender, please email: [email protected].