Until further notice: Cecil County Administration Building is open by appointment only. Questions about Coronavirus (COVID-19)? Visit the Coronavirus Information page:

Housing Counseling Services

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Cecil County Housing Agency offers several types of homeownership Counseling Services. 

Call 410-996-5245 to make an appointment for the services below.

Homebuyer Education & Pre-purchase Homeownership Counseling:
To help increase client awareness of the process of becoming a homeowner and calculating the affordability of homeownership.

First Time Homebuyer Seminars are currently being offered virtually via ZOOM, please call 410-996-8216 for more information. The seminar covers such topics as Shopping for a Home, the Residential Contract of Sale, Mortgages and Settlements, Home Inspections, Predatory Lending and Fair Housing.  Down payment assistance and First Time-homebuyer programs will be discussed.  One-on-one counseling sessions are available for individuals needing a Homebuyer Certificate as required by some lenders and grant programs.


Mortgage Default and Delinquency: Counseling is available to increase client awareness of programs available to prevent foreclosure (when possible).  Counselor will discuss the foreclosure process, and is available to work with the lender on behalf of the homeowner.   Click here to download and print the Foreclosure Counseling Intake Packet.

Budget Counseling: Counseling is available to assist clients in enhancing their financial management skills.

Rental Counseling & Rent Delinquency: 
Counselor available to discuss rental process and rights of tenants.  For more information, please see the State of Maryland Attorney General’s publication Landlords and Tenants.

Home Equity Conversion Mortgage Counseling (Reverse Mortgage): HUD Certified Counselor available to discuss reverse mortgages, calculate financial gain, and discuss options with clients who are considering applying for a reverse mortgage.

This service is currently not available. Please refer to HUD’s web site for a list of approved Agencies currently providing service:


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