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Office of Homeownership
Other Resources on the Web
www.livebaltimore.com
The Live Baltimore Home Center's award-winning site offers information about buying in Baltimore,
preferred real estate agents, homeownership incentives, neighborhood profiles, and city living events.
www.healthyneighborhoods.org
The Healthy Neighborhoods Initiative (HNI) is an effort of area foundations and the City of Baltimore
to invest strategically in certain neighborhoods and target blocks within those neighborhoods. On HNI
target blocks, special purchase-rehab mortgages and home improvement loans are available. In addition,
city employees are eligible for an extra $750 as part of the Baltimore City Employee Homeownership
Program, bringing their total incentive from that program to $3,750.
www.bcdfc.com
Baltimore Community Lending (formerly the Baltimore Community Development Financing
Corporation) provides a variety of programs including the Vacant House Loan Program, the Single
Family Construction Loan Program, and the Baltimore Homeowner Emergency Loan Program (HELP).
The Vacant House Loan Program offers homebuyers, interested in purchasing a house to occupy as their
primary residence in Baltimore City, financing for the acquisition, rehabilitation and closing cost that is
incorporated into one loan. The Single Family Construction Loan Program offers existing Baltimore
City owner-occupied homeowners the opportunity to refinance and rehabilitate their houses. The
HELP Program helps households faced with foreclosure.
www.dhcd.state.md.us
The State Department of Housing and Community Development has a Web site for the More House Less
and the House Keys for Employees programs. More House 4 Less provides low-interest mortgage loans to
low and moderate income households through private lenders. House Keys 4 Employees provides down
payment and closing cost assistance (up to $5,000) to employees of participating employers. You can also
research homes for sale by the Maryland Housing Fund on DCHD's Web site.
www.hud.gov
HUD's general Web site can lead you to many sources of information about home buying, including
information about the Officer/Teacher Next Door Program and how to buy a HUD-owned vacant
house.
www.fanniemae.com
Fannie Mae's Web site, in addition to a wide variety of information, maintains the updated lists of
Fannie Mae approved lenders in Maryland. Consult this list for Homeownership incentives that require
approved lenders.
www.freddiemac.com
Freddie Mac's Web site, in addition to a wide variety of information, maintains the updated lists of
Freddie Mac approved lenders in Maryland. Consult this list for Homeownership incentives that require
approved lenders.
www.fhlbatl.com
Many banks in the Baltimore area are members of the Federal Home Loan Bank of Atlanta and participate
in the First-time Home buyers Program. Participating banks receive funds at the beginning of each year
that can be used for closing cost assistance grants for low and moderate-income families.
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