Southern Maryland Tri-County Community Action Committee, Inc. receives a grant from the U.S. Dept. of Agriculture’s, Rural Development Services (RDS) to administer the Self-Help Technical Assistance Program in Calvert, Charles and St. Mary’s counties.


     Self-Help is a method of home construction where a group of families assist in building each others homes.  They form a labor pool, then perform approximately 65% of the labor, working under the supervision of  construction site supervisor provided by  SMTCCAC, Inc.  They perform tasks such as clearing, digging footings, wall framing, roofing, painting, installing doors and windows, insulation, siding, cabinets and countertops.


     House plans are provided by SMTCCAC.  All plans are modestly sized and priced and approved by the Rural Development Service. Loans for RDS eligible families are packaged and sent to the local RDS office for approval.  Construction begins after the loans are approved and closing dates set.


     Loans are scheduled for a 33 years; closed at the current market rate.  The actual interest depends on household income and family size, sometimes it is as low as 1%.  No down-payment or closing costs are required, although a one year homeowners insurance policy, paid in full, is required at closing.  Loan payments are deferred until construction is completed, with the first payment due 30 days after completion.


Eligibility Requirements for Applicants:


             Meet RDS income guidelines

· Have a good credit rating, with a score of 660 or higher

· Have a low debt load

· Have repayment ability based on ratio calculations





Work Groups Being Formed to build homes in our Prince Frederick Villas and Hunting Creek


· Prince Frederick Villas II – in Prince Frederick, Calvert County.  Two homes, duplex style

· Hunting Creekin Lexington Park, off of Willows Rd.  Thirty Self-Help homes will complete the Hunting Creek subdivision.

Self-Help Housing -

                           Homeownership through “Sweat Equity



Self-Help Housing


                                       Housing Counseling

Housing Counseling Program

Sign at Entrance of Hunting Creek

Silt trenching is constructed for 1st group of four homes at Hunting Creek

SMTCCAC, Inc. is a HUD Approved Housing Counseling Agency


Our housing counselors provide the following services:



· First-Time Homebuyers Seminars, with individual and group counseling

· Post-Occupancy Counseling

· Foreclosure Prevention Counseling

· Reverse Mortgage/Home Equity Conversion Mortgages (HECM) Counseling

· Rental and Homeless Prevention Counseling


Calvert (410) 535-1010  Charles (301) 474-4474  St. Mary’s (301) 475-5574   Metro (301) 870-3770 


             Ext. 257             Fax (301)274-0423