| 
        
         
          | 
               
                |  | HUD 
                    Approved Counseling Agencies in Maryland |  |  |   
          |  | 
 
               
                | Allegany |   
                | CUMBERLAND 
                  - Cumberland Neighborhood Housing Services, Inc. |  |   
                | 
                     
                      |  |  |   
                      | 400 
                        N. Mechanic St. Cumberland, MD  21502
 Phone:  301.722.6958
 Fax:      301.722.6966
 Type of Counseling: Default and Foreclosure Counseling, 
                        Prepurchase Couseling.
 Affiliate of:  Neighborhood Reinvestment Corporation
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                      |  |  |  |  
 
 
               
                | Anne 
                  Arundel |   
                | Annapolis 
                  - Anne A. County 
                  Economic Opportunity Committee | Annapolis 
                  - Anne Arundel Department 
                  of Aging |   
                | 
                     
                      |  |  |   
                      | 251 
                        West St Annapolis, MD   21401-3427
 Phone :  410.626.1941
 Fax:       410.626.1920
 Email:    incoi@aol.com
 Type of Counseling: HECM Counseling, Default/Foreclosure 
                        Counseling, Rental Counseling, Prepurchase Counseling.
 |   
                      |  |  | 
                    
                     
                      |  |  |   
                      |  | 2666 Riva Rd,   
                        Ste 400 Annapolis, MD   21401-0675
 Phone:      410.222.4464
 Toll Free:  800.492.2499
 Fax:          410.222.4346
 Type of Counseling: HECM Counseling
 
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                      |  |  |  |   
                | Annapolis 
                  - Arundel Community Development 
                  Service, Inc. | Crownsville 
                  - Maryland Dept of Housing and Community Dev. |   
                | 
                     
                      |  |  |   
                      | 2660 
                        Riva Road,  Ste 201 Annapolis, MD   21401-0675
 Phone:  410-222-7600
 Fax:      410-222-7619
 Email:    swilliams@acdsing.org
 Type of Counseling: Prepurchase Counseling, Default/Foreclosure 
                        Counseling, HECM Counseling
 |   
                      |  |  | 
                    
                     
                      |  |  |   
                      |  | 100 Community Place Crownsville, MD 21032
 Phone: 410.514.7530
 Fax: 410-987-4136
 
 
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                | Baltimore 
                  County |   
                | Randallstown 
                  - Community Assistance 
                  Network |  |   
                | 
                     
                      |  |  |   
                      | 8737-B 
                        Liberty Rd. Randallstown, MD 21133-4708
 Phone:  410.887.0600
 Fax:      410.877.0713
 Type of Counseling: HECM Counseling, Default/Foreclosure 
                        Counseling, Rental Counseling, Prepurchase Counseling.
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                      |  |  |  |  
 
 
              
               
                | Baltimore 
                  City |   
                | Baltimore 
                  City - 
                  Druid Heights Community Development Corp | Baltimore 
                  City - Saint Ambrose 
                  Housing AID Center |   
                | 
                     
                      |  |  |   
                      | 1821 
                        McCullough Street Baltimore, MD  21217
 Phone:  410.523.1350
 Fax:      410.523.1374
 Email:    dheights@smart.net
 Type of Counseling: HECM Counseling, Default/Foreclosure 
                        Counseling, Rental Counseling, Prepurchase Counseling.
 |   
                      |  |  | 
                     
                      |  |  |   
                      | 321 
                        E 25th St Baltimore, MD  21218-5303
 Phone:  410.235.5770
 Fax:      410.366.8795
 Email:    cathy7s@stambros.org
 Type of Counseling: HECM Counseling, Default/Foreclosure 
                        Counseling, Rental Counseling, Prepurchase Counseling.
 |   
                      |  |  |   
                | Baltimore 
                  City - The Development 
                  Corp of Northwest Baltimore | Baltimore 
                  City - Baltimore 
                  Urban League |   
                | 
                     
                      |  |  |   
                      | 3521 
                        W. Belvedere Avenue Baltimore, MD 21215
 Phone:    410.578.7190
 Fax:        410.578.7193
 E-mail:     frobi722@aol.com
 Type of Counseling: Prepurchase Counseling, Default/Foreclosure 
                        Counseling, HECM Counseling, Rental Counseling
 |   
                      |  |  | 
                     
                      |  |  |   
                      | 512 
                        Orchard St Baltimore, MD   21201-1947
 Phone:   410.523.8150
 Fax:       410.523.4022
 Email:     jhh985@aol.com
 Type of Counseling: HECM Counseling, Default/Foreclosure 
                        Counseling, Rental Counseling, Prepurchase Counseling.
 |   
                      |  |  |   
                | Baltimore 
                  City - Community 
                  Organized to Improve Life | Baltimore 
                  City  - Harbel Housing 
                  Partnership |   
                | 
                     
                      |  |  |   
                      | 9-11 
                        S. Carrollton Ave Baltimore, MD   21223-2626
 Phone:  410.752.8500
 Fax:      410.332.1804
 Type of Counseling: HECM Counseling, Default/Foreclosure 
                        Counseling, Rental Counseling, Prepurchase Counseling.
 |   
                      |  |  | 
                     
                      |  |  |   
                      | 5807 
                          Harford Rd.Baltimore, MD 21214
 Phone:  410.444.9152
 Fax:      410.444.9181
 Type of Counseling: Prepurchase Counseling
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                      |  |  |   
                | Baltimore 
                  City - Govans Economic 
                  Management Senate, Inc. | Baltimore 
                  City - Eastern Baltimore 
                  Area Chamber of Commerce |   
                | 
                     
                      |  |  |   
                      | 4324 
                          York Road, Ste 203Baltimore, MD 21212
 Phone:   410.433.3400
 Fax:       410.433.7140
 E-mail:    GEMS4234@YAHOO.COM
 Type of Counseling: HECM Counseling, Default/Foreclosure 
                          Counseling, Rental Counseling, Prepurchase Counseling
 |   
                      |  |  | 
                     
                      |  |  |   
                      | 7835 
                          Eastern Ave,  Ste 302Baltimore, MD  21224
 Phone:    410.282.9100
 Fax:        410.284.9864
 Email:      rruddle@ebacc.org
 Website: www.ebacc.org
 Type of Counseling: HECM Counseling, Default/Foreclosure 
                          Counseling, Rental Counseling, Prepurchase Counseling
 |   
                      |  |  |   
                | Baltimore 
                  City - Acorn Housing 
                  Corporation | Baltimore 
                  City  - Neighborhood 
                  Housing Serv of Balt., Inc. |   
                | 
                     
                      |  |  |   
                      | 825 
                          Park Ave.Baltimore, MD.21218
 Phone:410.752.4213
 Fax:410.685.3521
 Type of Counseling: Prepurchase Counseling, Default/Foreclosure 
                          Counseling
 |   
                      |  |  | 
                     
                      |  |  |   
                      | 244 
                        North Patterson Park Ave Baltimore, MD  21231
 Phone: 410.327.1200
 Fax:     410.675.1855
 Email:   nhsbalto@ix.netcom.com
 Type of Counseling: Default/Foreclosure Counseling, Prepurchase 
                        Counseling
 Affiliate of:  Neighborhood Reinvestment Corporation
 |   
                      |  |  |   
                | Baltimore 
                  City - Southeast 
                  Development, Incorporated | Baltimore 
                  City  - Tri Churches 
                  Housing Incorporated |   
                | 
                     
                      |  |  |   
                      |  
                          10 S. Wolfe StBaltimore, MD 21231-1912
 Phone:  410.327.1626
 Fax:      410.276.5807
 Type of Counseling: HECM Counseling, Default/Foreclosure 
                          Counseling, Rental Counseling, Prepurchase Counseling
 |   
                      |  |  | 
                     
                      |  |  |   
                      | 815 
                        Scott St Baltimore, MD  21230-2509
 Phone:   410.385.1463
 Fax:       410.752.4643
 Type of Counseling: Prepurchase Counseling
 
 |   
                      |  |  |   
                | Baltimore 
                  City - Harlem Park 
                  Revitalization Corporation | Baltimore 
                  City  - Community 
                  Assistance Network |   
                | 
                     
                      |  |  |   
                      | 1017 
                        Edmondson Ave Baltimore, MD  21223-1325
 Phone: 410.728.5086
 Fax:     410.728.4186
 Email:   hprcorp@worldnet.att.net
 Type of Counseling: HECM Counseling, Default/Foreclosure 
                        Counseling, Rental Counseling, Prepurchase Counseling
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                      |  |  | 
                    
                     
                      |  |  |   
                      |  | 7701 DunmanwayBaltimore, MD 21222 5437
 Phone:  410.285.4674
 Fax:      410.285.6707
 Type of Counseling: HECM Counseling, Default/Foreclosure 
                          Counseling, Rental Counseling, Prepurchase Counseling
 |  |   
                |  |  |  
 
 
              
               
                | Caroline |   
                | Greensboro 
                  - Maryland Rural 
                  Development Corporation |  |   
                | 
                     
                      |  |  |   
                      | 101 
                        Cedar Ave Greensboro, MD  21639-0739
 Phone:  410.479.3566
 Fax:      410.479.3710
 E-mail:  dothouse@dmv.com
 Type of Counseling: Rental Counseling, Prepurchase Counseling, 
                        Default/Foreclosure Counseling
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                      |  |  |  |  
 
 
               
                | Carroll |   
                | Frederick 
                  - Housing Authority 
                  - City of Frederick | Frederick 
                  - Consumer Credit 
                  Counseling Service of Greater Wash. |   
                | 
                     
                      |  |  |   
                      | 209 
                        Madison Street Frederick, MD 21701
 Phone:  301.662.8173
 Fax:      301.663.1464
 Type of Counseling: Default/Foreclosure Counseling, Rental 
                        Counseling, Prepurchase Counseling
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                      |  |  | 
                     
                      |  |  |   
                      | 10 N. 
                        Jefferson St,  Suite 403 Frederick, MD  21701-4802
 Phone:      301-695-0369
 Toll-Free:  800-747-4222
 Fax:          
                        301-695-4878
 Website:   www.debtfreeforme.com
 Type of Counseling: HECM Counseling, Default/Foreclosure 
                        Counseling, Rental Counseling, Prepurchase Counseling
 |   
                      |  |  |   
                | Frederick 
                  - Frederick Community Action 
                  Agency | Westminster 
                  - Carroll Co. Burueau of Housing and Comm Dev. |   
                | 
                     
                      |  |  |   
                      | 100 
                        S Market St Frederick, MD 21701-5527
 Phone:  301.694.1506
 Fax:      301.662.9079
 E-mail:   mspurrier@cityoffrederick.com
 Type of Counseling: HECM Counseling, Default/Foreclosure 
                        Counseling, Rental Counseling, Prepurchase Counseling
 |   
                      |  |  | 
                     
                      |  |  |   
                      | 10 Distillery 
                        Drive Ste 101 Westminster, MD 21157
 Phone:       410.386.3600
 Toll-Free:   888.302.8978
 TTY/TDD:   410.848.9747
 Fax:            410.876.5255
 E-mail:         
                        jswartz@ccg.carr.org
 Website:     ccgov.carr.org
 Type of Counseling: Default/Foreclosure Counseling, Prepurchase 
                        Counseling, HECM Counseling
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                      |  |  |  
 
 
              
               
                | Charles |   
                | Hughesville 
                  - South. MD Tri-County 
                  Comm Action Committee, Inc. |  |   
                | 
                     
                      |  |  |   
                      | 8383 
                        Leonardtown Rd. Hughesville, MD 20637
 Phone:     301.274.4474
 Fax:         301.274.0423
 E-mail:      robert@smtccac.org
 Website:  www.smtccac.org
 Type of Counseling: HECM Counseling, Prepurchase Counseling, 
                        Default/Foreclosure Counseling, Rental Counseling
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                      |  |  |  |   
                |  |  |  
 
 
              
               
                | Dorchester |   
                | Cambridge 
                  - Dorchester Community 
                  Development Corporation |  |   
                | 
                     
                      |  |  |   
                      | 435 
                        High St Cambridge, MD  21613-0549
 Phone:  410.228.3600
 Fax:      410.228.4531
 Type of Counseling: HECM Counseling, Default/Foreclosure 
                        Counseling, Rental Counseling, Prepurchase Counseling
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          |  | 
              
               
                | Garrett |   
                | Oakland 
                  - Garrett Co. Community 
                  Action Committe, Incorporated |  |   
                | 
                     
                      |  |  |   
                      | 104 
                        E Center St Oakland, MD  21550-1328
 Phone:      301-334-9431
 Toll-Free:  888-877-8403
 Fax:          301-334-8555
 E-mail:      lyoung@garrettcac.org
 Website:  www.garrettcac.org
 Type of Counseling:  Default/Foreclosure Counseling, 
                        Rental Counseling, Prepurchase Counseling, HECM Counseling
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                      |  |  |  |  
 
 
              
               
                | Harford |   
                | Bel 
                  Air - Harford County Housing Agency | Belcamp - 
                  Home Partnership, Incorporated |   
                | 
                     
                      |  |  |   
                      | 15 
                        S Main Street,  Ste 106 Bel Air, MD  21014
 Phone:     410.638.3045
 Fax:         410.893.9816
 E-mail:     beheller@co.ha.md.us
 Website: www.co.ha.md.us
 Type of Counseling:   HECM Counseling, Default/Foreclosure 
                        Counseling, Prepurchase Counseling, Rental Counseling
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                      |  |  |  |  
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          |  | 
               
                | Montgomery |   
                | Rockville 
                  - Consumer Credit 
                  Counseling Serv. of Greater Wash. | Rockville 
                  - Consumer Credit 
                  Counseling Serv. of Greater Wash. |   
                | 
                     
                      |  |  |   
                      | 15848 
                        Crabbs Branch Way Rockville, MD 20855-2635
 Phone:      301.590.1010
 Toll-Free:  800.747.4222
 Fax:          301.948.7498
 E-mail:       hdrivon@cccswdc.org
 Website:   www.debtfreeforme.com
 Type of Counseling: HECM Counseling, Default/Foreclosure 
                        Counseling, Rental Counseling, Prepurchase Counseling
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                      |  |  | 
                     
                      |  |  |   
                      | 5515 
                        Security Ln, Ste 525 Rockville, MD 20852
 Phone:      301.231.5833
 Toll-Free:   800.747.4222
 Fax:           301.881.3670
 Website:    www.debtfreeforme.com
 Type of Counseling: HECM Counseling, Default/Foreclosure 
                        Counseling, Rental Counseling, Prepurchase Counseling
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                      |  |  |   
                | Silver 
                  Spring - National 
                  Foundation for Consumer Credit, Inc. | Silver 
                  Spring - Spanish 
                  Speaking Comm. of Maryland, Inc. |   
                | 
                     
                      |  |  |   
                      | 8611 
                        2nd Ave Ste 100 Silver Spring, MD 20910-3372
 Phone:  301.589.5600
 Fax:      301.495.5623
 Type of Counseling:
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                      |  |  | 
                     
                      |  |  |   
                      | 8519 
                        Piney Branch Rd Silver Spring, MD 20901-3919
 Phone:  301.587.7217
 Fax:      301.589.1397
 Type of Counseling: Rental Counseling
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                      |  |  |  
 
 
              
               
                | Prince 
                  Georges |   
                | Hyattsville 
                  - Greater Washington 
                  Urban League | Hyattsville 
                  - Housing Initiatives 
                  Partnership, Incorporated |   
                | 
                     
                      |  |  |   
                      | 5012 
                        Rhode Island Ave Hyattsville, MD 20781
 Phone:      301.985.3519
 Fax:          301.985.3523
 E-mail:       csilue2001@hotmail.com
 Website:   www.gwur.org
 Type of Counseling: Default/Foreclosure Counseling, Prepurchase 
                        Counseling
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                      |  |  | 
                     
                      |  |  |   
                      | 4310 
                        Gallatin Street Hyattsville, MD 20781
 Phone:   301.699.3835
 Fax:       301.699.8184
 Type of Counseling: Prepurchase Counseling, Default/Foreclosure 
                        Counseling, Rental Counseling
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                      |  |  |   
                | Suitland 
                  - Roots Of Mankind Corporation |  |   
                | 
                     
                      |  |  |   
                      | Park 
                          Place Professional Center5835 Allentown Road
 Suitland, MD 20746
 Phone:      301.899.6800
 Toll-Free:  866.490.6800
 Fax:          301.899.8444
 E-mail:       webmaster@romkind.org
 Website:   
                          www.ROMKIND.ORG/INDEX.HTM
 Type of Counseling: Prepurchase Counseling, Rental Counseling, 
                          Default/Foreclosure Counseling, HECM Counseling
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                      |  |  |  |  
 
 
              
               
                | Washington |   
                | Hagerstown 
                  - Washington Co. 
                  Comm. Action Council, Inc. | Hagerstown 
                  - Consumer Credit 
                  Counseling Serv. of Greater Wash. |   
                | 
                     
                      |  |  |   
                      | 101 
                        Summit Ave. Hagerstown, MD  21740
 Phone:     301.797.4161
 Fax:         301.791.9062
 Website:  www.wccac.org
 Type of Counseling: Prepurchase Counseling, Default/Foreclosure 
                        Counseling, Rental Counseling, HECM Counseling
 |   
                      |  |  | 
                     
                      |  |  |   
                      | 44 N 
                        Potomac St Ste 101 Hagerstown, MD 21740-4855
 Phone:      301.416.8284
 Toll-Free:  800.747.4222
 Fax:          301.791.1641
 Website:    www.debtfreeforme.com
 Type of Counseling: HECM Counseling, Default/Foreclosure 
                        Counseling, Rental Counseling, Prepurchase Counseling
 |   
                      |  |  |  
 
 
              
               
                | Wicomico |   
                | Salisbury 
                  - Salisbury Neighborhood 
                  Housing Serv, Inc. | Salisbury 
                  - Shore Up |   
                | 
                    
                     
                      |  |  |  |   
                      |  | 513 Camden Ave Salisbury, MD 21801
 Phone:  410.543.4626
 Fax:      410.543.9204
 Type of Counseling: Default/Foreclosure Counseling, Prepurchase 
                        Counseling
 Affiliate of: NEIGHBORHOOD REINVESTMENT CORPORATION
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                      |  |  |  |  | 
                    
                     
                      |  |  |  |   
                      |  | 520 Snow Hill Rd Salisbury, MD 21804-0430
 Phone: 410.749.1142
 Fax: 410.742.9191
 E-mail: tchase@shoreup.org
 Type of Counseling: HECM Counseling, Default/Foreclosure 
                        Counseling, Rental Counseling, Prepurchase Counseling
 |  |   
                      |  |  |  |  |  
  HUD Approved Housing 
              Counseling Agencies in MARYLAND 11/22/02(Agencies 
              with a dash (-) have not been individually HUD approved, but are 
              affiliates of one of the HUD funded National Intermediaries.)
 |  |  |