Maryland Code, Housing and Community Development § 4-1702

(1) homeownership is a stabilizing factor for communities and families and is the best way for families of limited income to build equity and move out of poverty;

(2) homeownership has become less affordable over time because incomes have not kept pace with the rising costs of homeownership;

(3) self-help housing helps families of limited income to become homeowners, increasing their financial stability;

(4) families working together in groups to build their homes help to create stronger communities; and

(5) there have been three successful federally financed self-help programs in the State, and modeling a State self-help ownership program on a well-tested federal program will increase homeownership opportunities for families of limited income across the State.