dmahaney@ccgov.org 
 

Mission Statement

To promote adequate and affordable housing, economic opportunity and a suitable living environment free from discrimination to eligible low and moderate-income persons and families in Cecil County.

Homeownership Counseling (pre-purchase)
Counseling available to increase client awareness of the process of becoming a homeowner and to calculate the affordability of homeownership.

Budget Counseling
Counseling available to assist clients and/or enhance financial management skills.

Mortgage Default & Delinquency
Counseling available to increase client awareness of programs available to prevent foreclosure when possible. Counselors available to work on clients' behalf with lenders when necessary.

Home Equity Conversion Mortgage Counseling
Counselor available to discuss reverse mortgage programs, calculate financial gain, and discuss options with clients who are considering applying for a reverse mortgage.

Rental Counseling & Rent Delinquency
Counseling available to discuss rental process and rights of tenants.

Rental Subsidy Programs

Housing Choice Voucher Program (Section 8)
Provides rental assistance to income-eligible families helping families afford a better place to live or assist with paying a portion of the monthly rent where the family currently is living. A family consists of one or more household members. Household income must meet federal income guidelines.

1. Application: Family completes the preliminary application, and the family name is placed on the waiting list.  Apply in person or call for an application and self addressed envelope for return.
2. Selection policy: The selection policy is based on date and time of application.  Preference is given to county residents first, then state of Maryland, then all others.
3. Waiting list: Current wait time is approximately two years.
4. Enrollment: When the family's name reaches the top of the waiting list, an enrollment interview is scheduled, and eligibility is determined.
5. Certification: If determined eligible, the family attends a briefing session where information is provide on how the Program works, and how to obtain housing suited to the family's needs.
6. Housing Selection: The family finds housing with 120 days that meets HUD's Housing Quality Standards and allowable rent limits. The family's present dwelling may qualify or, under the program' portability option, the family may find a unit within or outside Maryland, provided a Housing Choice Voucher Program exists in that jurisdiction.
7. Negotiation: The family comes to an agreement with the landlord on lease terms.
8. Agency review: The Housing Agency evaluates the lease and inspects the dwelling to determine if they meet Program standards.
9. Approval: The Housing Agency determines approval or disapproval of the lease and unit.
10. Program Participation: Upon Agency approval of the lease and unit, the Housing Agency and Owner enter into a contract on behalf of the family for the unit.

Federal Family Self Sufficiency Program (FSS)
Provides assistance, supportive services, and the opportunity for families to achieve economic independence and self-sufficiency

First Time Home Buyers
First time buyers programs designed to increase the homeownership rate, especially among lower income and minority households.

Family Unification Program
Special rental assistance available to families at risk of children being removed and/or reunited with parents (by Dept. of Social Services). Limited availability. Contact Barbara Sicilliano at 410.996.0269.

Domestic Violence
Special rental assistance (limited) and counseling available to families experiencing domestic violence. Contact Kathy Beerly at 410.996.0333.

Frequently Asked Questions

How long is the waiting list for rental assistance?
Approximately 2 ¼ years wait.

Do you have emergency housing assistance?
NO, please contact Social Services at 410-996-0100.

I am on disability. Will that place me higher up on the waiting list for rental assistance?
No. Disability services are also available through the Cecil County Department of Social Services (telephone 410.996.0100/from Rising Sun dial 410.658.2145) and the Cecil County Health Department.

I have just applied for Section 8 assistance and I am living on the street. Will this help me move up faster on the list?
NO, please contact Cecil County Department of Social Services at 410-996-0100.