Workforce Housing (WHC)

Exciting changes are coming to our Workforce Housing education program - check back in January!

Are you WHC?

Increasingly, housing costs in many areas exceed the financial reach of many low-to-moderate wage earners, such as service sector employees, entry level staff and health personnel, as well as teachers, police, and firefighters. Additionally, as many REALTORS® and lenders know, minorities and new immigrants often fall victim to discrimination and predatory lending practices. There are financial programs and tools that can help address the problem of affordability and you can learn about them. Develop your knowledge and expertise to serve this important and growing market by taking the steps to become WHC.

Workforce Housing Certified (WHC) 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 #808-1604, 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 #807-1604, 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. Course includes overview of MAR consumer website www.maryland
  3. MARYLAND MORTGAGE PROGRAM & MARYLAND HOMECREDIT PROGRAM (Course #806-1604, 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.

WHC electives include:

  1. CreditSmart® (6 hours – no CE), taught by Freddie Mac certified trainers, this is a “Train the Trainer” program to prepare you to educate consumers about getting and maintaining good credit, credit scoring, money management, and budgeting. Any prior CreditSmart certification is counted towards WHC.
  2. NAR’s Employer-Assisted Housing, Expanding Housing Opportunities, or At Home With Diversity®. See
  3. Any other State of Maryland approved CE course concentrating on a specific loan program such as FHA/VA/USDA or serving first time homebuyers.

There is no exam and there are no Maryland REALTOR charges or fees for the WHC certification. There may be some materials or facility costs associated with certain classes or locations. After completing the required classes, your name will be placed on a revolving referral list on the website, based on your preferred business locations (up to three)

The WHC program is not affiliated or endorsed by the National Association of REALTORS®.

After the WHC certification is obtained, it is good for a two year cycle ending on December 31 of the expiring year. To stay certified, you must complete any two of the WHC core courses within that two years. 

Next classes:

April 4, 2018 at GBBR - sponsored by Women's Council. Check back for a registration link.

Interested in having a class in your area? Ask your local board/association to host a class series.


Workforce Housing Links