The new DC4ME PLUS is a loan program will be available to certain DC employees. The eligibility requirements for this new program are as follows: The new DC4ME PLUS is a first-time homebuyer mortgage program offered to current full-time District government employees. Including employees of district government-based instrumentalities, independent agencies, District of Columbia Public Charter Schools and organizations.The applicant/borrower’s employer must falls under the oversight of the Council of the District of Columbia. Applicants must be a 1st time home buyer The new DC4ME PLUS maximum household income may not exceed 120% of AMI The first trust will be a 30 year fixed rate conventional Freddie Mac HFA Advantage loan. And must follow US Bank HFA Advantage guidelines. Maximum 50% DTI; maximum loan amount of $484,350; maximum sales price of $525,000.Under the new DC4ME PLUS PROGRAM at least 1 borrower must have completed a home … [Read more...]
Featured Properties: Beltsville, Laurel, MD
$169,900
11352 Cherry Hill Road 1Y304 Beltsville, Maryland
2 Beds 2 Baths 989 SqFt
Listing courtesy of RE/MAX Leading Edge
$178,875
15605 Dorset Road 40 (UNIT 302) Laurel, Maryland
1 Beds 1 Baths 831 SqFt
Listing courtesy of CENTURY 21 New Millennium
$199,921
4503 Romlon Street 102 Beltsville, Maryland
3 Beds 2 Baths 1,172 SqFt
Listing courtesy of Blackwell Real Estate, LLC
$210,000
11510 Laurelwalk Drive Laurel, Maryland
2 Beds 1 Baths 872 SqFt
Listing courtesy of Sid Sells Maryland Realty
$229,900
14229 Jib Street 8252 Laurel, Maryland
1 Beds 1 Baths 850 SqFt
Listing courtesy of Citiwide Realtors Inc.
$324,900
9423 Woodsong Court Laurel, Maryland
3 Beds 2 Baths 1,134 SqFt 0.040 Acres
Listing courtesy of Northrop Realty
$325,000
309 Sandy Spring Road Laurel, Maryland
4 Beds 3 Baths 1,780 SqFt 0.060 Acres
Listing courtesy of Keller Williams Integrity
$330,000
9234 Redbridge Court Laurel, Maryland
2 Beds 2 Baths 1,410 SqFt 0.030 Acres
Listing courtesy of EXIT Right Realty
$339,900
9363 Breamore Court Laurel, Maryland
4 Beds 4 Baths 1,996 SqFt 0.040 Acres
Listing courtesy of Samson Properties
$354,900
9205 Fairlane Place Laurel, Maryland
3 Beds 3 Baths 1,584 SqFt 0.040 Acres
Listing courtesy of Bennett Realty Solutions
$370,000
3443 Cherry Hill Court Beltsville, Maryland
3 Beds 4 Baths 1,280 SqFt 0.030 Acres
Listing courtesy of Samson Properties
$375,000
8803 Castlebury Court Laurel, Maryland
2 Beds 2 Baths 1,720 SqFt 0.040 Acres
Listing courtesy of Smart Realty, LLC
$379,900
13801 Belle Chasse Blvd 414 Laurel, Maryland
2 Beds 2 Baths 1,875 SqFt
Listing courtesy of Long & Foster Real Estate, Inc.
$384,900
10110 Seattle Slew Lane L Laurel, Maryland
2 Beds 2 Baths 1,440 SqFt
Listing courtesy of Redfin Corp
$390,000
9103 Erfurt Court Laurel, Maryland
3 Beds 4 Baths 1,728 SqFt 0.040 Acres
Listing courtesy of RE/MAX Realty Group
$390,000
8300 Ashford Boulevard Laurel, Maryland
3 Beds 3 Baths 1,752 SqFt 0.060 Acres
Listing courtesy of Vylla Home
$399,900
8116 Londonderry Court Laurel, Maryland
3 Beds 3 Baths 1,752 SqFt 0.060 Acres
Listing courtesy of RE/MAX Professionals
$399,900
924 7Th Street Laurel, Maryland
4 Beds 2 Baths 1,748 SqFt 0.090 Acres
Listing courtesy of W F Chesley Real Estate, LLC.
$402,000
6978 Mayfair Terrace Laurel, Maryland
3 Beds 3 Baths 1,914 SqFt
Listing courtesy of Fairfax Realty Elite
$412,000
502 4Th Street Laurel, Maryland
3 Beds 2 Baths 1,270 SqFt 0.150 Acres
Listing courtesy of Samson Properties
$415,000
13150 Brooktree Lane Laurel, Maryland
4 Beds 3 Baths 1,500 SqFt 0.080 Acres
Listing courtesy of Realty One Group Performance, LLC
$415,000
7237 Silver Thorn Way Beltsville, Maryland
3 Beds 5 Baths 1,288 SqFt 0.020 Acres
Listing courtesy of Long & Foster Real Estate, Inc.
$439,900
10203 Balsamwood Drive Laurel, Maryland
4 Beds 2 Baths 1,028 SqFt 0.240 Acres
Listing courtesy of Keller Williams Capital Properties
$439,900
15713 Haynes Road Laurel, Maryland
4 Beds 2 Baths 1,182 SqFt 0.180 Acres
Listing courtesy of First Decision Realty LLC
$439,999
7207 Barrberry Lane Beltsville, Maryland
3 Beds 4 Baths 1,596 SqFt 0.020 Acres
Listing courtesy of Comfort Realty, LLC.
$440,000
5327 Brewer Road Beltsville, Maryland
4 Beds 3 Baths 2,078 SqFt 0.180 Acres
Listing courtesy of CENTURY 21 New Millennium
$444,990
1109 Patuxent Greens Drive Laurel, Maryland
3 Beds 3 Baths 1,741 SqFt
Listing courtesy of NVR Services, Inc.
$449,900
10002 Madronawood Drive Laurel, Maryland
4 Beds 3 Baths 2,016 SqFt 0.260 Acres
Listing courtesy of Keller Williams Flagship of Maryland
$449,990
205 Lyons Creek Drive 924C Laurel, Maryland
3 Beds 3 Baths 1,741 SqFt
Listing courtesy of NVR Services, Inc.
$450,000
12902 Rustic Rock Lane Beltsville, Maryland
3 Beds 4 Baths 1,600 SqFt 0.030 Acres
Listing courtesy of Goldmine Realty
$454,990
217 Lyons Creek Drive 923B Laurel, Maryland
3 Beds 3 Baths 2,030 SqFt
Listing courtesy of NVR Services, Inc.
$460,000
7200 Winterfield Terrace Laurel, Maryland
4 Beds 3 Baths 1,472 SqFt 0.080 Acres
Listing courtesy of RE/MAX United Real Estate
$469,000
915 Montgomery Street Laurel, Maryland
4 Beds 3 Baths 1,296 SqFt 0.240 Acres
Listing courtesy of Continental Real Estate Group
$469,990
1712 Mill Branch Drive 918D QUICK MOVE-IN Laurel, Maryland
3 Beds 3 Baths 2,030 SqFt
Listing courtesy of NVR Services, Inc.
$469,990
1712 Mill Branch Drive 918D Laurel, Maryland
3 Beds 3 Baths 2,030 SqFt
Listing courtesy of NVR Services, Inc.
$469,990
1706 Mill Branch Drive 918A QUICK MOVE-IN Laurel, Maryland
3 Beds 4 Baths 1,741 SqFt
Listing courtesy of NVR Services, Inc.
$470,000
4512 Hartford Avenue Beltsville, Maryland
3 Beds 3 Baths 1,662 SqFt 0.260 Acres
Listing courtesy of Wilcox & Associates Realtors
$475,000
12122 Apache Tears Circle Laurel, Maryland
3 Beds 4 Baths 2,388 SqFt 0.040 Acres
Listing courtesy of Cottage Street Realty LLC
$479,900
12805 Cedarbrook Lane Laurel, Maryland
4 Beds 3 Baths 2,228 SqFt 0.520 Acres
Listing courtesy of RE/MAX 100
$485,000
9384 N Laurel Road Laurel, Maryland
5 Beds 2 Baths 1,950 SqFt 0.290 Acres
Listing courtesy of Keller Williams Realty Partners
$492,000
8210 Willow Street Laurel, Maryland
3 Beds 2 Baths 1,728 SqFt 0.170 Acres
Listing courtesy of Coldwell Banker Platinum One
$494,000
12504 Silverbirch Lane Laurel, Maryland
3 Beds 3 Baths 1,980 SqFt 0.410 Acres
Listing courtesy of Maryland REO Realty, LLC
$495,000
9309 White Chute Way Laurel, Maryland
3 Beds 3 Baths 2,011 SqFt 0.030 Acres
Listing courtesy of Fortune Washington Realty Group LLC
$499,900
15716 Bond Mill Road Laurel, Maryland
4 Beds 3 Baths 1,702 SqFt 0.240 Acres
Listing courtesy of Long & Foster Real Estate, Inc.
$499,900
11501 Cordwall Drive Beltsville, Maryland
4 Beds 3 Baths 976 SqFt 0.150 Acres
Listing courtesy of HomeSmart
$499,900
Beltsville, Maryland
3 Beds 4 Baths 1,920 SqFt 0.050 Acres
Listing courtesy of RE/MAX Realty Services
$499,990
193 Lyons Creek Drive Laurel, Maryland
3 Beds 3 Baths 2,123 SqFt 0.040 Acres
Listing courtesy of RLAH @properties
$510,000
6422 Darwin Road Laurel, Maryland
4 Beds 3 Baths 1,170 SqFt 0.230 Acres
Listing courtesy of RE/MAX Realty Centre, Inc.
$510,000
3424 Stonehall Drive Beltsville, Maryland
4 Beds 2 Baths 1,554 SqFt 0.210 Acres
Listing courtesy of RE/MAX Advantage Realty
$515,000
11705 Montague Drive Laurel, Maryland
5 Beds 3 Baths 2,288 SqFt 0.230 Acres
Listing courtesy of Long & Foster Real Estate, Inc.
$520,000
617 Montgomery Street Laurel, Maryland
4 Beds 3 Baths 2,035 SqFt 0.170 Acres
Listing courtesy of Long & Foster Real Estate, Inc.
$520,000
916 Montgomery Street Laurel, Maryland
4 Beds 3 Baths 1,872 SqFt 0.450 Acres
Listing courtesy of Citiwide Realtors Inc.
$529,000
12506 Cedarbrook Lane Laurel, Maryland
5 Beds 3 Baths 2,948 SqFt 0.360 Acres
Listing courtesy of RE/MAX Realty Services
$533,485
14724 Spring Haven Lane SPEC Laurel, Maryland
3 Beds 3 Baths 2,239 SqFt
Listing courtesy of NVR Services, Inc.
$534,990
1086 Overlook Way Laurel, Maryland
3 Beds 4 Baths 2,227 SqFt 0.040 Acres
Listing courtesy of DRB Group Realty, LLC
$535,000
12525 Brickyard Boulevard Beltsville, Maryland
5 Beds 5 Baths 2,160 SqFt 0.030 Acres
Listing courtesy of HomeSmart
$539,000
9521 Jeanne Court Laurel, Maryland
4 Beds 3 Baths 1,784 SqFt 0.160 Acres
Listing courtesy of Long & Foster Real Estate, Inc.
$539,999
8426 Charmed Days Laurel, Maryland
3 Beds 4 Baths 2,526 SqFt 0.040 Acres
Listing courtesy of Keller Williams Lucido Agency
$544,000
11411 Sequoia Lane Beltsville, Maryland
5 Beds 4 Baths 1,924 SqFt 0.160 Acres
Listing courtesy of Samson Properties
$550,000
3600 Shenandoah Drive Beltsville, Maryland
4 Beds 4 Baths 2,831 SqFt 0.290 Acres
Listing courtesy of Weichert, REALTORS
$569,990
1045 Highpoint Trail Laurel, Maryland
3 Beds 3 Baths 2,421 SqFt 0.050 Acres
Listing courtesy of DRB Group Realty, LLC
$584,990
Laurel, Maryland
4 Beds 3 Baths 2,285 SqFt 0.040 Acres
Listing courtesy of NVR Services, Inc.
$585,000
16007 Kent Road Laurel, Maryland
5 Beds 4 Baths 1,886 SqFt 0.220 Acres
Listing courtesy of Libra Realty, LLC
$614,990
Laurel, Maryland
3 Beds 3 Baths 2,212 SqFt 0.040 Acres
Listing courtesy of NVR Services, Inc.
$640,000
15500 Leizear Court Laurel, Maryland
4 Beds 3 Baths 2,400 SqFt 0.180 Acres
Listing courtesy of Long & Foster Real Estate, Inc.
$710,000
9866 Deer Run Laurel, Maryland
5 Beds 4 Baths 2,738 SqFt 0.150 Acres
Listing courtesy of Taylor Properties
$715,000
8803 Mirror Lake Way Laurel, Maryland
4 Beds 4 Baths 3,257 SqFt 0.060 Acres
Listing courtesy of Cummings & Co. Realtors
$729,000
9405 Sixth Street Laurel, Maryland
4 Beds 4 Baths 3,220 SqFt 0.140 Acres
Listing courtesy of RE/MAX One
$769,500
9133 Giddings Crossing Laurel, Maryland
4 Beds 3 Baths 2,700 SqFt 0.310 Acres
Listing courtesy of RE/MAX 100
$799,000
10644 Gross Lane Beltsville, Maryland
3 Beds 2 Baths 0.500 Acres
Listing courtesy of REMAX Platinum Realty
$979,990
7517 Zoe Lane Laurel, Maryland
4 Beds 4 Baths 4,465 SqFt 0.180 Acres
Listing courtesy of Keller Williams Lucido Agency
$1,014,990
7541 Zoe Lane Laurel, Maryland
4 Beds 4 Baths 5,204 SqFt 0.180 Acres
Listing courtesy of Keller Williams Lucido Agency
$1,039,990
7549 Zoe Lane Laurel, Maryland
4 Beds 4 Baths 4,409 SqFt 0.180 Acres
Listing courtesy of Keller Williams Lucido Agency
$1,121,775
7548 Zoe Lane Laurel, Maryland
5 Beds 5 Baths 4,465 SqFt 0.190 Acres
Listing courtesy of Keller Williams Lucido Agency
Featured Properties: Washington D.C., MD
$300,000
5301 Blair Road NE Washington, District Of Columbia
4 Beds 2 Baths 1,667 SqFt 0.150 Acres
Listing courtesy of Long & Foster Real Estate, Inc.
$305,000
3335 5Th Street SE Washington, District Of Columbia
3 Beds 2 Baths 1,873 SqFt 0.060 Acres
Listing courtesy of Realty Pros
$350,000
4614 Foote Street NE Washington, District Of Columbia
4 Beds 4 Baths 1,400 SqFt 0.180 Acres
Listing courtesy of Alex Cooper Auctioneers, Inc.
$350,000
2626 Brentwood Road NE Washington, District Of Columbia
3 Beds 2 Baths 1,255 SqFt 0.120 Acres
Listing courtesy of CENTURY 21 New Millennium
$369,000
2321 High Street SE Washington, District Of Columbia
4 Beds 3 Baths 1,700 SqFt 0.070 Acres
Listing courtesy of Keller Williams Capital Properties
$375,000
2920 Vista Street NE Washington, District Of Columbia
3 Beds 2 Baths 954 SqFt 0.210 Acres
Listing courtesy of Samson Properties
$380,000
4534 Dix Street NE Washington, District Of Columbia
3 Beds 2 Baths 989 SqFt 0.080 Acres
Listing courtesy of Signature Home Realty LLC
$399,000
4435 G Street SE Washington, District Of Columbia
3 Beds 2 Baths 1,479 SqFt 0.120 Acres
Listing courtesy of Probate Real Estate Listing Services & Sales, LLC
$399,000
4141 Alabama Avenue SE Washington, District Of Columbia
3 Beds 2 Baths 1,036 SqFt 0.090 Acres
Listing courtesy of Coldwell Banker Realty
$399,000
3906 1St Street SE Washington, District Of Columbia
3 Beds 2 Baths 1,220 SqFt 0.210 Acres
Listing courtesy of RLAH @properties
$399,900
5324 James Place NE Washington, District Of Columbia
3 Beds 2 Baths 1,744 SqFt 0.060 Acres
Listing courtesy of EXP Realty, LLC
$399,999
4122 Beck Street SE Washington, District Of Columbia
3 Beds 2 Baths 1,457 SqFt 0.120 Acres
Listing courtesy of Smart Realty, LLC.
$400,000
1309 Hamlin Street NE Washington, District Of Columbia
3 Beds 2 Baths 1,318 SqFt 0.170 Acres
Listing courtesy of Keller Williams Capital Properties
$400,000
3228 O Street SE Washington, District Of Columbia
4 Beds 2 Baths 2,338 SqFt 0.280 Acres
Listing courtesy of Ivan Brown Realty, Inc.
$400,000
409 44Th Street NE Washington, District Of Columbia
3 Beds 2 Baths 2,300 SqFt 0.140 Acres
Listing courtesy of Keller Williams Chantilly Ventures, LLC
$400,000
3338 Brothers Place SE Washington, District Of Columbia
5 Beds 3 Baths 1,454 SqFt 0.120 Acres
Listing courtesy of EXIT Right Realty
$419,900
4445 Alabama Avenue SE Washington, District Of Columbia
3 Beds 2 Baths 1,508 SqFt 0.140 Acres
Listing courtesy of Signature Realtors Inc
$424,999
817 48Th Place NE Washington, District Of Columbia
3 Beds 3 Baths 1,557 SqFt 0.050 Acres
Listing courtesy of Realty Concepts Group LLC
$425,000
4703 Eads Street NE Washington, District Of Columbia
3 Beds 3 Baths 1,826 SqFt 0.100 Acres
Listing courtesy of Keller Williams Preferred Properties
$425,000
4922 Astor Place SE Washington, District Of Columbia
3 Beds 2 Baths 3,003 SqFt 0.180 Acres
Listing courtesy of CENTURY 21 New Millennium
$429,000
2407 Pomeroy Road SE Washington, District Of Columbia
4 Beds 2 Baths 1,274 SqFt 0.100 Acres
Listing courtesy of KW Metro Center
$449,111
3618 Martin Luther King Jr Avenue SE Washington, District Of Columbia
3 Beds 2 Baths 1,330 SqFt 0.090 Acres
Listing courtesy of Compass
$450,000
25 Mississippi Avenue SE Washington, District Of Columbia
3 Beds 2 Baths 1,516 SqFt 0.100 Acres
Listing courtesy of The Home Team Realty Group, LLC
$450,000
2907 Carlton Avenue NE Washington, District Of Columbia
5 Beds 2 Baths 1,840 SqFt 0.090 Acres
Listing courtesy of Keller Williams Capital Properties
$470,000
3616 Southern Avenue SE Washington, District Of Columbia
4 Beds 3 Baths 2,820 SqFt 0.130 Acres
Listing courtesy of Keller Williams Preferred Properties
ליווי נשי
מלוות נשיות נשכרות על ידי גברים עשירים מסיבות שונות. חלקם עשויים להשתמש בליווי נשים כדי למלא את הצרכים הרגשיים שלהם בחברת אישה מהממת וחלקם עשויים לראות בליווי נשית תמיכה רגשית בזמנים קשים. מלוות נשים צפויות לעזור ללקוח להירגע ולהיות חברה מהנה. כמה סוכנויות ליווי נשים מציעות שירותי ריפוי בשיחות הנותנים מענה לצרכים הפסיכולוגיים של לקוחותיהן. דווח כי סוכנויות אלה שולחות גם נשים שיכולות לספק את האינטימיות והחיבה הפיזית הדרושה כאשר הלקוח דורש זאת - למשל, במהלך הליך הגירושין שלו, שבו הוא מבולבל מאוד, בודד, לא מרוצה מהטיפול של בן זוגו [2]. "דייטים" ברמה גבוהה אלה יכולים לעלות יותר מ-3,000 דולר לפופ. זה לא עניין של אלטרואיסט או רמה גבוהה, אלא זו דרך להתמודד עם התסכולים המיניים הממושכים של מבקשי מקלט שיכולים להימשך שנים. מה רע בעבודה אנושית? חוקי ההגירה החוצה שלנו מקשים על מבקשי מקלט למצוא עבודה באופן חוקי, ונשים נמצאות במצב חלש יותר מגברים בקבלת אישור יציאה מהמדינה. תומכים נלהבים של חופש יאמרו שאנשים צריכים להיות מסוגלים ללכת לאן שהם רוצים. עם זאת, נשים צריכות לעבור דברים כמו קניית טמפונים, … [Read more...]
Howard County HomeStarter Loan
Howard County HomeStarter loan is now available. This is a loan up to $40,000 that can be used for down payment and/or closing costs. Available to first time home buyers onlyLoan term must match first mortgage loan, typically 30 yearsLoan must be repaid back upon sale, refinance or defaultInterest Rate is 2% below the primary loan rateBuyer must contribute at least one monthly payment on primary loan plus $1,000Back ratio no greater than 45%Borrower assets greater than 2 months reserves must be used firstPurchase price limit is $465,758 (that will increase in 2021 once loan limits are established for program) The income limits are as follows (these should also increase in 2021: 1 person household $54,9502 person household $62,8003 person household $70,6504 person household $78,5005 person household $84,8006 person household $91,1007 person household $97,3508 person household $103,650 Call 301-483-8073 or email - [email protected] for a referral to a senior loan … [Read more...]
MORTGAGE LOAN PROGRAMS IN MARYLAND
The Maryland Mortgage Program is committed to helping buyers purchase a home in the State of Maryland. The Maryland Mortgage Program offers a range of products to help Marylanders realize their dream of homeownership. Let’s take a look at the programs that are getting rave reviews…. MD SMARTBUY – MD SmartBuy rolls up to 15% of the home purchase price into forgivable loan for the borrower to pay off their outstanding student loan debt (maximum payoff of $40,000). MMP 1st TIME ADVANTAGE 3% DPA LOAN – offers Down Payment Assistance equal to 3% of the first mortgage while still maintaining a low interest rate on the first mortgage. 1st. TIME ADVANTAGE DIRECT – No DPA (Down Payment Assistance) but offers the lowest interest rate available with an MMP loan- often under 3%. To learn more about how the programs can help you or to get pre-approved for a loan with help of one of our Senior Loan Officers - Call 301-483-8073 or Email - [email protected] for a referral Today! … [Read more...]
Montgomery County Homeownership Program
Montgomery County Homeownership Program announced that effective immediately the funding of $1M dollars appropriated to help buyers in Montgomery County with down payment and/or closing costs assistance funds. This money will go FAST! Buyers must act NOW….. There was a couple rounds of this money last year and it ran out in a month or so! Highlights of the program are as follows: Montgomery Homeownership Program second lien will be a zero percent deferred down payment loan forgiven after 10 years.Maximum down payment loan will be 40% of total household income up to a maximum of $25,000.00 for down payment monies.Monies may be used for down payment and/or closing costs.No minimum contribution by the buyer (buyer typically gets in with no money out of pocket).Can be combined with MPP’s Revolving Closing Cost Assistance Program up to $10,000 (RCCAP/”5 for 5”) but the borrower must work in Montgomery County.Can only be used with the Option 1 … [Read more...]
New Loan Program Available in the District of Columbia
New loan program available in the District of Columbia to help buyers with a 3% loan for the down payment: This new program is named DC4ME PLUS which will be available for certain DC employees. The eligibility requirements for this new program are as follows: DC4ME PLUS is a first-time homebuyer mortgage program offered to current full-time district government employees. This include employees of District government-based instrumentalities, independent agencies, District of Columbia Public Charter Schools and organizations. The applicant/borrower’s employer must fall under the oversight of the Council of the District of Columbia; Applicant must be a 1st time homebuyer; Maximum household income may not exceed 120% of Adjusted Modified Income (AMI); The first trust will be a 30 year fixed rate Conventional Freddie Mac HFA Advantage loan and must follow US Bank HFA Advantage guidelines;Maximum 50% DTI; maximum loan amount of $484,350; … [Read more...]
Buying a home – SmartBuy Program
Buying a home - SMARTBUY PROGRAM got easier with the Maryland SmartBuy Program. This is a program that the State of Maryland rolled out in 2016 to help buyers pay their student loan debt and purchase a home. The original program could only be used for DHCD properties. The inventory was very low, so it did not really help too many people. The State of Maryland expanded SMARTBUY PROGRAM last year. The program is now available for ANY property in the Maryland. The property must pass an appraisal inspection. And, the seller is willing to make repairs. How the SmartBuy Program works – if you are buyer with $39,000 in student loan debt and looking to purchase a home for $285,000. The program will help extinguish ALL of your student loan debt at settlement. The buyer will qualify for the maximum assistance through the SmartBuy Program. For example - A sales price of $267,000 will qualify a buyer for assistance up to $40,000 - $267,000 x … [Read more...]
Maryland Mortgage Program Announces – New Products!
The Maryland Mortgage Program announced some AMAZING new products. Buyers credit score should be 640 or higher. Debt to income ratio should not exceed 45%. And buyers cannot have own any real estate at the time of closing. Although they COULD have owned real estate prior to settling on their new home. The Chenoa fund has existed to help this type of buyer. However, this product offering does not have the expansiveness of the new mortgage product offered through the State of Maryland - Maryland Mortgage Program. Here are the highlights: Offers buyers a loan of 3% to be used towards the down paymentOffers buyers a GRANT of 3% or 4% of the loan amount to be used towards the down payment and/or closing costs Plus the Home Ability program started offering mortgages about a month ago. This program will help buyers who have a disability or have a household member with a disability. The program offer buyers 25% in the form of a loan to be used towards the down payment … [Read more...]
NEW MORTGAGE PROGRAM for 2019
New Mortgage program - Did you know that Montgomery County has two AMAZING down payment programs designed to help first time home buyers? These programs will help buyers get into a home with NO money at all. And, they make your offer competitive to the seller because they can cover the closing costs so you don't have to ask the seller for help! Montgomery County Home Ownership III Montgomery Home ownership Program second lien will be a zero percent deferred down payment loan;Maximum down payment loan will be 40% of total household income up to a maximum of $25,000.00;Down payment funds may be used for down payment and/or closing costs;It can be combined with a Special Assistance Grant; No minimum contribution by the buyer, reduced mortgage insurance rates and very high income limits; andMaryland Home Credit Program is available with this product; andBorrowers must meet all MMP and agency requirements, minimum 640 credit score, 45% debt to income, typically first … [Read more...]
A Quick Refresher on Loan Programs to help Buyers
LOOKING FOR A MORTGAGE LOAN? A quick refresher on loan programs to help buyers purchase a home with NO Money down! The Chenoa product is designed to open up doors to buyers with limited money, lower credit scores and higher debt to income ratios. In some circumstances, people that are buying a new primary residence can still use the program and keep their existing home!Here are some quick highlights of the program.* Offers 3.50% second for the down payment- FHA financing only;* Credit scores as low as 620. Buyer will have to take an online home buying course prior to contract if their score is between 620 and 639;* Offered in MD, DC and VA;* 50 percent debt to income on all programs offered through the Chenoa product (most down payment programs have a 45% cap for the debt to income ratio);* No income limits for their repayable 2nd product (this is huge and completely different than any … [Read more...]
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