Baltimore City Grant Programs

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🏡 Unlock Your Dream Home with the FTHIP Baltimore City Grant Program! 🏡

Attention, aspiring homeowners! Are you tired of renting and ready to take the leap into homeownership? Look no further than the FTHIP (First-Time Homebuyer Incentive Program) Baltimore City Grant Program – your ticket to turning your homeownership dreams into reality in Charm City!

Here’s why the FTHIP Baltimore City Grant Program is your ultimate ally in the home buying journey:

💰 Financial Boost: Say goodbye to hefty down payments and overwhelming closing costs! With the FTHIP Baltimore City Grant Program, eligible first-time homebuyers can receive valuable financial assistance, making it easier than ever to secure that perfect place to call home.

📚 Education and Guidance: Feeling lost in the maze of home buying? Fear not! Our program offers comprehensive education and guidance every step of the way. From understanding mortgage options to navigating the intricacies of the real estate market, our team of experts is dedicated to empowering you with the knowledge and confidence you need to make informed decisions.

🏘️ Community Empowerment: By choosing the FTHIP Baltimore first time homebuyer program, you’re not just buying a home – you’re investing in the vibrant fabric of our community. As more first-time buyers become homeowners, neighborhoods flourish, communities thrive, and a brighter future is forged for all who call Baltimore City home.

🌟 Flexibility and Inclusivity: We believe that homeownership should be accessible to everyone, regardless of background or circumstance. That’s why our program offers flexibility and inclusivity, ensuring that all eligible buyers have the opportunity to achieve their homeownership dreams, regardless of their unique circumstances.

🔑 Your Key to Homeownership: Don’t let the fear of the unknown hold you back from owning your slice of Baltimore City. With the FTHIP Baltimore City first time buyer program , your dream home is within reach – and we’re here to help you unlock the door!

Ready to embark on the journey to homeownership? Contact us today 410-301-0942 to learn more about our first time homebuyer mortgage programs, application procedures, and how the FTHIP Baltimore City Grant Program can make your dream of homeownership a reality. Your future home awaits – let’s make it happen together!

Michael Blaylock

michael@yourhomepurchase.org

410-206-1212 Office

410-301-0942 Cell

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Guidelines for Home Grant Eligibility

1. Minimum Credit Score Requirement: Applicants must possess a minimum credit score of 580 to utilize this first time homebuyer program.
2. Income Limitation: Total household income should not surpass the median income limits specified for the area.
3. First-Time Homebuyer Status: Eligibility is limited to individuals who are purchasing a home for the first time.
4. Primary Residence Requirement: Applicants must commit to occupying the purchased property as their primary residence which is standard when using first time homebuyer mortgage programs.
5. Minimum Contribution: Applicants must contribute at least $1000 out of their own pockets. Most first time buyer programs ask the buyer to contribute so they have some skin in the game.

These guidelines are essential for determining eligibility and ensuring compliance with our home loan program.

Follow these simple steps and your one step closer to homeownership:

Step 1:  Apply online at Yourhomepurchase.org and one of our mortgage professionals will reach out to you within the hour.

Step 2: We will complete a soft pull credit report  and then have a 1 on 1 consultation with you to go over your fico score and address any concerns.

Step 3:  After speaking with our mortgage professional you will be required to send in the following documents:

1.  2023 W2, 2022 W2

2.  two most recent paystubs

3. Photo ID,

4. SS card

5. two months bank statements ( all pages)

Step 4: Once your documents have been submitted and reviewed your loan professional will inform you of your maximum pre-approval amount.

Step 5: We will refer you to 1 of the 10 counseling agencies in Baltimore City.  Once referred you must complete the counseling steps until you receive your completion certificate.