Housing & Community Initiatives, Inc (HCI)    444 N Frederick Ave St 305, Gaithersburg MD 20877    301/590-2765       info@hcii.org        www.hcii.org HIC is a private, non-profit agency that works with Montgomery County government to provide free housing education.

Moderately Priced  Housing Program (MPDU)       Montgomery County Dept of Housing & Community Affairs  100 Maryland Avenue 4th floor  Rockville MD 20850  240/777-3600   www.montgomerycountymd.gov/mpdu

In 1974, Montgomery County Council pass the Moderately Priced Housing Law. The MPH Law requires that between 12.5 and 15 percent of the houses in new subdivisions of 20 or more units be moderately priced .

HOC Mortgage Purchase Program    10400 Detrick Avenue, Kensington MD 20895   301/929-6700   www.hocmc.org

The Housing Opportunities commission (HOC) provides below market rate mortgages to first time homebuyers of moderate income.

CDA Maryland Mortgage Program      Single Family Housing Community,  Development Administration at the MD Dept of Housing and Community Development   100 Community Place Crownsville MD  21032-2032   410/514-7530   www.morehouse4less.com

The CDA Maryland Mortgage Program provides low interest mortgage loans to eligible homebuyers with low - to moderate income.

Rockville R.E.A.C.H. Program    Housing & Community Initiatives, Inc   444 N Frederick Ave St 305   Gaithersburg MD 20877   301/590-2765   www.hcii.com

R.E.A.C.H. is a joint venture between the city of Rockville and Housing & Community Initiatives, Inc a nonprofit charitable organization. R.E.A.C.H. assists  applicants with loans for down payment and closing cost assistance..