Judith Found the Home She’s Been Dreaming About!

inte8821 • June 21, 2013

Through IHA’s Purchase-Repair Homeownership Program, Judith was able to find the home of her dreams with a monthly mortgage payment that is lower than what she was paying in rent!

Judith’s new cottage-style home has four bedrooms, one of which will become her painting studio. The home, located just north of Thurmont in Frederick County, has a large yard filled with mature fruit-bearing, flower-bearing, and evergreen trees, as well as lovely foundation plants that are well established. Despite its rural location (a requirement to obtain the USDA Rural Development low interest, no down payment mortgage) the home is just a mile or two from Route 15, providing an easy commute to her job as a bus driver for Fort Detrick in Frederick.

Judith is ecstatic to finally be able to find the home of her dreams! She knew exactly what she wanted to buy, but it wasn’t as easy as she had hoped. It seemed every time she found a home that qualified under the program and fit her wants and needs, the home was soon under contract to another buyer. However, Judith would not give up, and with the help of her real estate agents, Peggy Magnanelli and Debbi Lewis, with RE/MAX Results, her perseverance paid off.

IHA’s Vice President of Construction and Development, Ron Morris, will be supervising the repair process. The home needs new siding, the hardwood floors need to be refinished, some bathroom tile work, and a complete interior paint job. Judith has already planned a painting party for July! The cost of the repairs, about $10,000, was included in the mortgage loan from USDA, and Judith doesn’t have to wait until everything is completed before she moves in. In the photo, Judith is showing where her dishwasher will be installed.

In Maryland, this is a brand new type of Self-Help program. IHA is the only nonprofit that has received a technical assistance grant from USDA Rural Development to provide this program in Frederick County, as well as Carroll and Washington counties.

IHA works with program participants to obtain a certificate of eligibility from USDA for a no down payment, 3.125% fixed rate 33-year mortgage. We also provide credit repair and budgeting workshops and one-on-one sessions for those that need help in this area, bundle together all of the documents and verifications required to go out with the application, inspect potential homes for realtors to determine whether a home qualifies for the program, work up a list of required repairs along with a cost estimate, set up and manage supervised bank accounts for the portion of the loan designated to cover the repairs after closing, manage the repair process after closing, and teach new homeowners how to repair and maintain their new home. There is no fee for our services.

Carol Riggles, IHA’s Homeownership Coordinator, will be photographing and following the transformation of Judith’s home from start to finish. Carol is just as excited as Judith! She said, “It’s easy to see that this home is a diamond in the rough, and once the walls get painted, the floors get refinished, and the exterior siding is replaced, it will be a home that Judith, or anyone for that matter, will cherish for years to come.”

Fall Updates from IHA

September 2, 2026
A quarter of grant wins, community partnerships, and small moments that remind us why this work matters. Here's what's been happening at Interfaith Housing Alliance since the summer. GRANTS & FUNDING: Four New Grants Fuel IHA's Work This Quarter Interfaith Housing Alliance is proud to announce four funding awards totaling $220,000 during the last quarter from our community partners. In June 2026, IHA was awarded a $30,000 grant by Ausherman Family Foundation. This capacity-building grant will provide funding support for the organization during its transition to new leadership. It will also support IHA's work with key community consultants with the goal of recentering IHA's programs and services in Frederick, MD. In July 2026, IHA was awarded a $125,000 grant from Morgan Stanley. This operational grant supports IHA in its ongoing quest to create and provide affordable housing opportunities for low- to moderate-income (LMI) community members. It also supports IHA's continued community programming, which provides access to financial education and affordable homeownership opportunities. In August 2026, IHA received two funding awards in support of IHA's Financial Dignity and Empowerment Services. IHA was awarded a $30,000 grant from the Maryland Department of Housing and Community Development's (DHCD) Maryland Housing Counseling Fund (MHCF). IHA was also awarded a $35,000 grant by Rural Maryland Council (RMC) through their Maryland Agricultural Education and Rural Development Assistance Fund (MAERDAF) program. These grants will support the full spectrum of community programming IHA offers, including group educational workshops on financial health, individualized financial coaching and housing counseling, and pathways to affordable homeownership. We are deeply grateful to these partners for their continued investment in this community.

Weinberg House Renovation Brings New Life to Senior Living

By Vickie Mills • June 2, 2026
Exciting, the final renovations of the last two units are underway at Weinberg House, a long-standing affordable senior living community in Fredrick, Maryland. Originally built in 1994, the property provided safe, stable housing for older adults for decades. Renovations began on May 1, 2023. At that time, they had a total of 23 units to renovate. The renovations included freshly painted walls, new carpet in the bedrooms, new flooring in the other rooms, new cabinets in the bathroom, as well as new kitchen cupboards, fixtures and new appliances. The final two units will be ready for lease up June 15, 2026. The renovation of Weinberg House represents a meaningful investment in both people and place. By modernizing the property while protecting its mission, this project will help ensure that affordable, welcoming housing remains available for seniors for years to come. It is an encouraging example of how thoughtful redevelopment can strengthen communities and honor the residents who call them home.

Interfaith Housing Alliance (IHA) is proud to announce three funding awards during the last quarter from our community partners.

By Rachel Gardner • June 2, 2026
In March 2026, IHA was awarded a $50,000 grant through the Frederick County Government’s Helping Empower Area Resources Together (HEART). These one-time operational funds were awarded to mitigate the effects of the longest federal government shutdown in history. This grant has allowed IHA to continue providing essential programs and services to Frederick County residents despite challenges at the federal level. IHA was also awarded a $5,000 grant from the City of Frederick through the Community Promotion Grant program. This grant supports aging in place and youth development needs among City residents through IHA’s Supportive Services. The program serves residents of IHA’s senior and multi-family affordable rental communities at 222 Broadway Street (Weinberg House) and 520 N. Market Street, respectively. In April 2026, IHA was also awarded a $25,000 Community Partnership Grant from Frederick County Government. This grant supports IHA’s full range of Financial Dignity and Empowerment Services, including our homeownership and financial education programming. IHA’s Purchase-Repair Program provides an avenue to homeownership for those who otherwise would not qualify for a traditional home loan. In Credit Café, participants work specifically on improving their credit. Financial Freedom Bootcamp helps participants improve their skills in budgeting, saving, debt reduction, and financial goal setting. The Frederick Affordable Housing Incubator (FAHI) brings multiple sectors together to increase the affordable housing inventory in Frederick County.
Show More