Congratulations to all our Awards of Excellence Winners!

Thank you to everyone who joined us for our 
Annual Meeting and Awards Luncheon 
Here are some highlights:
We were thrilled to have over 180 people in attendance at the Chesapeake Arts Center in Brooklyn Park, Anne Arundel County

We heard from CDN’s Board Chair Erin Karpewicz about CDN’s great accomplishments this year.
Speaker of the Maryland House of Delegates Michael Busch was our keynote speaker and he received CDN’s President’s Award
The Frederick County Affordable Housing Land Trust received CDN’s Innovation Award. This is the first Affordable Housing Land Trust in Maryland.

The Kentland/Palmer Park Transforming Neighborhoods Initiative (Prince George’s County) received CDN’s Collaboration Award for their work to stabilize neighborhoods collaborating with County government, nonprofits and businesses.
The Impact Award went to the Ocean City Development Corporation for its work in revitalizing historic downtown Ocean City (not the Board Walk!)
The College Park City-University Partnership Homeownership Program also received an impact award for its program to attract and retain residents in the College Park area.
The Lorraine Sheehan Memorial Advocacy Award went to United Workers for their leadership in collecting and processing over 18,577 signatures to add an Affordable Housing Trust Fund on the Baltimore City ballot, as part of the Housing for All Coalition.
Ken Strong received our Legacy Award honoring his career in community development, particularly in changing lives in Baltimore City through founding of the Bereavement Center, recognizing predatory lending early and sounding the alarm about it, and working to ensure homeowners homes were energy efficient, and helping increase homeownership. His public service has made a significant impact in Baltimore City.
CDN’s Executive Director Odette Ramos lead the discussion of CDN’s legislative agenda, which includes the Community Development Fund, more tools for eliminating blight statewide, and much more.

CDN of Maryland – Housing Counseling Summer Update

August 15, 2016

Greetings CDN Members and Friends:

We trust your summer is going well. We have a lot to share with you and this issue of our e-newsletter includes some important updates and information about the following:  Place-Based Training Opportunities, Promoting the Work Community Development Organizations (NHRC and CDN Survey), CDN Achievements, Membership Information, Community Development Week (October 17th-26th) and highlights from 2015, Job and Funding Opportunities, Proposed Changes to Housing Counselor Documentation, and more.


CDN Hosts NeighborWorks Place Based Training (Frederick, Maryland)

Please register for the NeighborWorks Training “HO310 Financial Coaching: Helping Clients Reach Their Goals”, September 26th and 27th.  Participate in this course to continue the process for certification in Financial Capability counseling. This is the one of three trainings required for certification.

From the Course Description: “An emerging field, Financial Coaching supports clients to work towards goals and maximize their financial potential. Financial coaches facilitate, motivate, listen and guide individuals to tap their capability to change financial habits and open the door to reach financial security. In this 2-day course participants will learn how coaching differs from and complements financial education, knowledge sharing and counseling.”

CDN has negotiated a registration fee for this training is only $100.00. You may pay process your registration and payment  online or by mailing a business check or money order to CDN Maryland Post Office Box 22426, Baltimore, MD 21203.  Space is limited to 20.

The course begins each day at 8:30 a.m. and ends at approximately 4:00 p.m. The address is:  The Arc of Frederick County, 620-A Research Court, Frederick, MD 21703. We can provide information about accommodation for those wishing to stay in Frederick. If you are interested or have questions, please email Mary at .

HUD Offers Distressed Asset Stabilization Program (“DASP”) Enhancements Seminar:

The Department of Housing and Urban Development (“HUD”) will be holding a seminar on Distressed Asset Stabilization Program (“DASP”) single family mortgage loan sales and recently announced program enhancements.

Date: Wed, Aug 17, 2016, Time: 1:00pm to 5:00pm (Check in begins at Noon)

Location: Philadelphia HUD Home Ownership Center, Wanamaker Building, 100 Penn Square East Philadelphia, PA 19107 or Meeting with Online Viewing. To R.S.V.P. please contact HUD’s Transaction Specialist at, or call 1-844-709-0763



Now it is time to let all our national and state policymakers know.

Fiscal Impacts Survey- Please Respond by August 19th:

National Housing Resource Center (NHRC) is working on documenting the impact of ending NFMC funding and the current state of housing counseling funding.  They are also tracking if agencies have closed their doors or stopped providing housing counseling services.  Please also report if the work your organizations doing in communities is growing. It is a short (20 question) survey. They will use this information to alert policy makers to the changes in the housing counseling world. Here is the link to the survey.

CDN’s “Return on Investment Study!”- Please Respond by August 30th:

Housing counseling is a cost-effective program that benefits counseled homeowners, investors, state and local governments, and communities that have been damaged by the housing crisis. It is critical to get your information about the impact your organization has in Maryland.

Please Complete CDN’s “Return on Investment Study!” Please look below for the survey that most reflects your organization’s mission. The time you spend will definitely be worth it. As of today, only 7 housing counseling organizations have completed the survey. ALL must complete it to get an accurate picture of investment and value of housing counseling work across the state. The survey was modified to take out the need to report data by Zip code.

Here are he links for the Housing Counseling survey and programming.

  • First-Time Homebuyer Counseling And Foreclosure Prevention Counseling Please provide information social, economic and geographic distribution of the households served.  This survey can be accessed here:
  • Social and Community Programming. We would like to take inventory of all of the program types offered by CDOs throughout Maryland.  This survey can be accessed here:

You may also contact us and we will complete it with you, just email us and we will call you are your convenience.


It’s Membership Drive Time!

Please become a member or renew your membership today to be a part of strengthening our industry.  Paid members benefit directly from CDN’s work to promote, strengthen and advocate for Maryland’s community development industry. For your convenience you may renew or become a member today online or download this form and send in a check with your membership contribution.

With member support, CDN has accomplished a lot, here’s a partial list: Implemented  our 2nd Annual Community Development Week which highlighted various community development activities around the state and gained significant media attention (see our website for all the details and media here)

  • Successfully advocated for a 2nd year of state funding for the $700,000 Nonprofit Assistance Fund, which provides operating and capacity building dollars to community development nonprofits throughout the State.
  • Advocated for and obtained increases in dollars for Community Legacy, Strategic Demolition and Smart Growth Investment Fund, Neighborhood Business Works and the Baltimore Regional Neighborhood Initiative, all of which are utilized by our community development nonprofit and public agency members to revitalize neighborhoods.
  • Supported and advocated for legislation to enhance the community development industry including our Community Development Fund, modifying the local resolution requirements for DHCD funding applications, and others.
  • Managed a successful merger with the Maryland Housing Counselors network to assist in continuing the important work of supporting Maryland’s housing counselors through advocacy, training and capacity building.
  • Provided four NeighborWorks trainings for capacity building in Prince George’s County and enhancing skills of our state’s housing counselors, while also providing the National Development Council’s Housing Finance training in partnership with our counterparts in Pennsylvania and New Jersey, and a workshop for jurisdictions to learn more about receivership as a blight elimination strategy.

Join us in this important work for our communities. Together we can do more!  For your convenience you may renew or become a member today online or download this form and send in a check with your membership contribution.


3rd Annual Maryland Community Development Week is October 17-26, 2016

We kick off the week on October 17th with Maryland Department of Housing and Community Development Secretary Kenneth Holt in Baltimore City. The week’s activities will focus on community development initiatives and workshops around the state focusing on

  • Neighborhood revitalization
  • Housing Counseling and Family Stability
  • Affordable Housing
  • Small business development
  • Main Streets

On October 26th please join housing counselors across the state for our Annual Meeting Luncheon and Awards Ceremony in Brooklyn Park. Our keynote speaker this year is the Honorable Michael Busch, Speaker of the Maryland House of Delegates!

We are still building the week’s program, please let us know if you are planning any open houses, ribbon cuttings, ground breakings, tours, events, etc. during this important 10 days!  We’ll list everything going on around the state!  Please let us know about your events! Contact


Job Opportunity

 St. Ambrose Housing Aid Center is seeking a Director of Housing Counseling!

Company Overview: The mission of St. Ambrose Housing Aid Center is to create, preserve and maintain equal housing opportunities for low and moderate-income people, primarily in Baltimore City, and to encourage and support strong and diverse neighborhoods.

Job Summary:  The Director oversees all elements of the Counseling Department, including program development, execution, analysis, evaluation, innovation / refinement and internal and external partnership management.    (Click here to read full job description.)


National and Local Partner News and Updates

White House Celebration of National Homeownership Month

On June 21st, HUD Secretary Julian Castro celebrated National Homeownership Month with housing counseling agencies from across the country during the “Dare to Own the Dream” event at the White House. They highlighted families who worked with HUD-Certified housing counseling agencies to purchase homes. CDN members Centro de Apoyo Familiar (CAF) and Salisbury Neighborhood Housing Services were highlighted! There were several organizations from Maryland there to celebrate and cheer on our colleagues, including representatives from Housing Initiative Partnership (HIP), Comprehensive Housing Assistance Inc. (CHAI), Druid Heights CDC, United Communities Against Poverty (UCAP), Centro de Apoyo Familiar, Salisbury NHS, and Harford County Dept. of Housing and Community Development. CDN was there to support!  It was a great opportunity! (See pictures and streaming video here.)


From National Housing Resource Center: Proposed Changes to Housing Counselor Documentation

HUD has posted a draft 9911 form, which eventually will be used to document that homeownership counseling took place.  The densely worded form lays out what the counselor certifies has been covered in the counseling session and the client certifies the topics covered in the session.  The form also provides a space to acknowledge any client fees paid to the agency either to the counseling agency or will be paid at closing. Once it is finalized, this form will be a routine part of pre-purchase and refinance counseling.  Please send us your feedback.

Link to the draft 9911 form:


From Civil Justice Inc.

Please take a look at this recent announcement from Consumer Financial Protection Bureau about updated existing protections for homeowners and finalized new protections. Servicers may have to review a delinquent loan for modification more than once over the life of the loan, and servicers may need to communicate more with successors of interest after the death of a borrower of their options. Read more here:


Funding Opportunities

The Operating Assistance Grants (Nonprofit Assistance Fund, Technical Assistance Grants, and Main Street Improvement Fund) grants rounds are now open! Applications Due September 15 at 5pm. In order to obtain an Operating Assistance Grant application, you must log in to the Department’s Project Portal: Once logged in, you can access the application by selecting “Operating Assistance Grants” from the “View My Opportunities” button.

As always, please let me know if you have questions or thoughts on any of the items in this e-newsletter.  We want to hear from you!


Odette Ramos, Executive Director

Community Development Network of Maryland

July 2014 CDN Strategic Priorities

This issue of our e-newsletter provides the details of our strategic priorities moving forward. CDN conducted a comprehensive strategic planning process during the summer and fall of 2013. In addition to the name change and mission revisions, the Board of Directors determined four major strategic priorities. We have now been able to get those priorities funded, working groups initiated, and so these priorities will be implemented. The purpose of these priorities is to strengthen the community development industry in Maryland. This e-newsletter details what the strategic priorities are and how you can get involved.

And please Save the Date! Friday, November 7 is our Annual Meeting. This is a free event this year to be held at the Federal Reserve Bank of Richmond Baltimore Branch. Our keynote speaker is Joe McNeely, Board member of the National Alliance of Community Economic Development Associations (NACEDA) and Executive Director of the Central Baltimore Partnership.