coverage. The aggregate amount payable under this
coverage is an agreed percentage (usually 5% to
10%) of the initial principal amount of mortgages
financed through a revenue bond series. The
Maryland Housing Fund provides pool insurance
for revenue bonds issued by the Community
Development Administration and other housing
agencies.
Cooperative Insurance provides coverage on
mortgages to tenant shareholders for the purchase
of dwelling units in cooperatives.
The Revitalization Program provides oppor-
tunities to lower the risk of lending by using
Maryland Housing Fund insurance to stimulate the
flow of private mortgage capital into areas that have
suffered from decreasing home ownership and as-
sociated economic and social instability In addition,
the Program makes home ownership possible for
those who do not have the resources for a down
payment and closing costs, which otherwise would
be required by Maryland Housing Fund insurance.
The borrower must make a minimum cash con-
tribution (not less than $500) based upon levels of
household income.
Home and Energy Loan Program (HELP) in-
surance covers 100 percent of the loan under the
Community Development Administration's Home
Improvement and Energy Conservation Loan Pro-
gram.

MULTIFAMILT PROGRAMS
Francis A. Korwek, Administrator
514-7354

The purposes of the multifamily insurance
programs are to provide longer mortgage terms
than are generally available from other lenders;
reduce monthly payments for the tenant; and
enable higher loan-to-value ratio mortgages for
borrowers. Multifamily insurance programs include
construction loans and permanent loans.
Construction Loans insures mortgages financing
nonprofit and qualified private developers of new
or rehabilitated housing for families and individuals,
the elderly and the handicapped. (Construction
loans are insured only in combination with per-
manent mortgage financing.) The Maryland Hous-
ing Fund is the only insurer of construction loans
in the State, other than the Federal Housing Ad-
ministration.
Permanent Loans insures permanent mortgages
to nonprofit and qualified private developers of new
or rehabilitated housing. The permanent mortgage
insurance is provided for multifamily projects for
new construction and rehabilitation, projects
receiving federal subsidies, and market-rate projects
financed by eligible issuers of revenue bonds.

DIVISION OF COMMUNITY
ASSISTANCE

G. William Walker, Jr., Acting Director

100 Community Place
Crownsville, MD 21032 514-7202

The Division of Community Assistance ad-
ministers programs concerned with housing and com-
munity services, commercial revicalization and local
government technical assistance, energy management
needs, and building codes administration. It assists
local governments, nonprofit organizations, com-
munity action agendes, and small private developers
to implement these programs. The Division manages
a variety of development, grant and loan programs as
well and serves as a liaison with local government and
regional organizations. In addition, the Division serves
both as a clearinghouse for State-federal programs and
as a coordinating agency for State programs affecting
local governments in Maryland (Code 1957, Art.
83B, sec. 4-201).
Within the Division of Community Assistance
are the Building Codes Administration, Housing
and Community Services Programs, and Commer-
cial and Government Assistance Programs.

BUILDING CODES ADMINISTRATION
James Hanna, Director

100 Community Place
Crownsville, MD 21032 514-7220

Within the Division of Community Assistance, the
Building Codes Administration (BCA) works with
local governments, design professionals, and code
inspectors to guarantee that the highest performance
standards are met in building construction.
The Building Codes Administration is respon-
sible for enforcement of the Industrialized Build-
ings and Mobile Home Regulations, the Model
Performance Building Code, and the Maryland
Building Code for the Handicapped. The Ad-
ministration also administers the Maryland Safety
Glazing Law and Maryland Energy Conservation
Building Standards.
Established in 1971, the Industrialized Building
Program offers certification standards for any build-
ing, building subsystem, or component that is
manufactured and assembled off-site (Chapter 662,
Acts of 1971). The Program encourages the growth
of industrialized building construction by using
preemptive uniform statewide codes and standards.
Building systems that are certified by the State can
be used or erected anywhere in Maryland without
having to comply with different local building
codes, as long as they comply with local zoning
laws. The Building Codes Administration also in-
spects mobile homes to resolve consumer com-
plaints and enforces the standard of the U.S.