To learn more about the program or to enroll, be sure to complete the questionnaire.

The amount you need for a down payment depends on the type of loan and your financial situation. Buyers should plan for having 2-5% of the purchase price for closing costs, earnest money deposit, home inspection and moving expenses. Let's take out the guess work, schedule a time to chat!

FHA loans may allow scores starting around 580+, which may require you to put more money down. Conventional loans often prefer 620+, and VA loans are more flexible. However, to qualify for down payment and closing cost assistance, you'll want to have a 640+ credit score. That way you can receive better interest rates, lower monthly payments and more favorable loan options.

The first step is connecting with a qualified and knowledgeable Realtor who can guide you on the next best steps to ensure you are prepared to obtain a pre-approval. You want to identify credit or income issues early. Pre-approvals help you to understand your budget, know your estimated monthly payment, and stregthen your offer.

From the moment your offer is accepted, the process of closing on the home takes about 30-45 days.

Yes, you can buy a home if you are self-employed as long as you have filed taxes on that income for at least two years.

Yes, Maryland offers several programs that may help with:

Down payment assistance

Closing cost assistance

Lower interest rates

Eligibility depends on income, purchase price, occupancy requirements and credit qualifications. Schedule a time to chat to learn more.