Housing Opportunity Certification

The Housing Opportunity Certification (HOC) is designed to enhance REALTORS® training on workforce and affordable housing finance programs to better assist consumers in their efforts to become homeowners.   

To get the certfication, you need to complete all four (4) courses.  These sessiions will be offered VIRTUALLY via Zoom
STATE AND LOCAL PROGRAMS (Course #125-0729 Category (F) Professional Enhancement, 1.5 hours), provides fundamentals about state and local programs available for low/no down payment, closing cost grants, extended-term mortgages, as well as other tax credits, plus government resources for homeownership education and counseling. Course includes an overview of Maryland REALTORS® consumer website www.maryland homeownership.com.

FEDERAL PROGRAMS AND NATIONAL INITIATIVES (Course #128-0729 Category (F) Professional Enhancement, 1.5 hours), includes information on programs and new regulations for HUD/FHA/VA/USDA, as well as national private sector/guaranty programs.

UNDERSTANDING CREDIT (Course #127-0729 Category (F) Professional Enhancement, 1.5 hours) This class will help real estate licensees understand the basics of credit reports and scoring to assist consumers in becoming financially prepared for homeownership

MARYLAND MORTGAGE PROGRAM & MARYLAND HOME CREDIT PROGRAM (Course #126-0729, Category (F) Professional Enhancement, 1.5 hours) a comprehensive discussion of the various DHCD mortgage products and programs including qualifications, income guidelines, and special incentive areas. Taught by DHCD staff.

After the HOC certification is obtained, it is good for about 2 year cycle ending on December 31 of the folowing year. To stay certified, you must complete the Maryland Mortgage Program class and another HOC course within the second year.