Housing Opportunity Certified (HOC) REALTORS® are specially trained to receive customer inquiries on workforce and affordable housing finance programs for selected jurisdictions. Earning this popular certification requires completion of the following three core classes in any sequence, as well as one elective course: 1. FEDERAL PROGRAMS AND NATIONAL INITIATIVES (Course #881-1604, 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. 
2.  STATE AND LOCAL PROGRAMS (Course #879-1604, 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.
3. MARYLAND MORTGAGE PROGRAM & MARYLAND HOMECREDIT PROGRAM (Course #880-1604, 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.