Maryland "You've Earned It" Initiative

For a limited time, the Maryland Mortgage Program is offering a 0.25% discount on the standard Maryland Mortgage Program mortgage rate and $5,000 in Down Payment Assistance to qualified home buyers that have at least $25,000 of student debt, and who are purchasing a home in one of Maryl​and's Sustainable Communities​ (see below). 

For all program details and eligibility requirements, please refer to the "You've Earned It" fact sheet:

Sustainable Communities

Maryland's Sustainable Communities are regions across the state where governments, business and communities coordinate investments to achieve sustainable growth, good jobs and thriving neighborhoods (learn more​).

The Department of Housing and Community Development has created an interactive online mapping tool​ that will allow you to identify whether a property is in a Sustainable Community simply by typing in a street address.

Getting Started

If you're ready to take advantage of this special program: 

  1. Talk to a Lender - Your lender can help you confirm your eligibility for the Maryland Mortgage Program and the You've Earned It! initiative and will make sure you meet all the requirements, such as attending the right Homebuyer Education Class.  
  2. Check Your Eligibility to see whether you can apply for a Maryland Mortgage Program​ loan. Note that being eligible to apply does not guarantee approval, and lenders will take into account things like your income, credit history and employment situation when considering your application.
  3. Complete a Homebuyer Education Class - Completing a Homebuyer Education prepares you to make the right decisions when purchasing your home.  Homebuyer Education classes are available throughout Maryland, and are provided by a range of Community and Non-Profit organizations as well as local government housing agencies.
  4. Learn about Down Payment Assistance - The Maryland Mortgage Program provides help in the form of Down Payment Assistance alongside a range of Partner Match programs from employers, developers and community organizations that can cover down payment and closing costs.
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