The Compliance Manual explains the policies, requirements, and procedures for:
- Maryland Mortgage Program (MMP)
- Down Payment Assistance (DPA)
- Maryland HomeCredit (MCC)
It is part of the Mortgage Origination Agreement. All participating lenders must follow it throughout the loan process, from reservation to final purchase by the Master Servicer.
Compliance Manual - Last updated: January 28, 2026
When to Use This Manual
Use the compliance manual when you need to:
- Confirm borrower and household income eligibility
- Verify first-time homebuyer and ownership requirements
- Determine property eligibility in Targeted and Priority Funding Areas
- Prepare pre-closing and post-closing compliance submissions in Lender Online (LOL)
- Ensure Down Payment Assistance and subordinate liens meet requirements
- Review refinance eligibility and recapture reimbursement rules
Questions?
For compliance or reconsideration requests, contact the MMP Compliance Team:
[email protected]
