The Maryland Mortgage Program is run by the Maryland Department of Housing and Community Development. The goal of the program is to provide incentives and assistance to help eligible borrowers become homeowners.
The program offers borrowers assistance in a few ways -
Down Payment and Closing Cost Assistance Federal Tax Credits Partner Match Programs SmartBuy
Also, the house has to be used as a primary residence and the borrower cannot own any other real estate.
Are there limits on which areas you can buy a house?
Yes and No.
If you are a First-Time Homebuyer, meaning you haven’t owned a home in the past three years, then no. You can buy anywhere in the state.
If you aren’t a First-Time Homebuyer, then you are restricted to areas that the state has designated as Targeted Areas
Click here for the list of Targeted Areas
What Hoops are there to jump through?
All the programs require homebuyer education. The requirements vary by county and so do the eligible courses. Some counties require the course to be completed before entering into a contract of sale for a house and others do not. Best to check with a lender before beginning the process.
About Alexander Necker, Real Estate Sales Consultant
I specialize in selling the Baltimore Metropolitan’s Premier Homes.
I am an Eagle Scout. I mention this because the process of becoming an Eagle Scout provided me with the foundation by which I live my life. The values of trustworthiness, integrity, and helpfulness have allowed me to become the man I am today.
The words that describe me are:
Driver of my own professional destiny
C onduit for connecting people for professional development
Devoted husband with a wonderful wife
Father to 2 beautiful children with growing college funds
Student of Finance and Investments
After graduating college and starting a career in my field of study (agronomy), I quickly rose to the position of assistant and then superintendent of private golf courses. After 17 years in the golf business, I decided it was time to change to a career where I would not be at the mercy of the uncontrollable forces of sun, wind and rain. I chose a field where I would be the master of my fate, where the hard work and the long hours to which I am accustomed would be the determinant of my success.
The primary reason I am in the real estate business is to help people. A real estate transaction is one of the largest financial transactions you will ever undertake. Everyone deserves a real estate partner that understands and appreciates that fact. My focus on integrity, trust and communication are nothing less than I would want for myself, my family or friends entering into a large financial proceeding. I am committed to being the one real estate agent that keeps my client's best interests front and center.
In real estate, I consider myself to be a true professional in the same vein as the physician, the attorney and the accountant whom you must trust with the most important assets of your life. Nothing less is acceptable.
Alexander Necker Proudly Presents417 Rogers Ford LaneJoppa MD 210
"Alex Necker came highly recommended to us and we are delighted to write a review of his performance as our realtor.
We wholeheartedly recommend Alex to anyone seeking to buy or sell a home. With his eagerness to please and stellar competence, he made what could have been a trial (buying a home) a breeze for us. We found his demeanor most engaging. He was always cordial and personable toward us. His work ethic, diligence and promptness of service impressed us beyond measure. He treated us as though we were his only clients. His attention toward us was more that of a family member than a realtor to client. We truly felt he was our advocate, not merely serving as simply our realtor. He insisted we were aware of possible flaws with the home we ultimately decided to buy and we found his honesty refreshing. After all, no house is ever going to be perfect. He thoroughly enjoys his work and this is personified in his attentiveness and enthusiasm. Do not even consider engaging the services of any other realtor. After working with Alex, we no longer consider him as simply a realtor who made buying our new home a snap, we consider him a friend for life!"