Own a home in
Baltimore City.
It starts with one free online class. Earn your Homebuyer Education Certificate, unlock Baltimore City and Maryland down payment assistance, and get a clear plan to mortgage approval — with a real person beside you the whole way.
96%
approved for a mortgage on
their first try
Years guiding homebuyers
Buyers supported each year
Average assistance received
Foreclosure rate
Why Baltimore buyers start with the class
Buying a home in Baltimore City comes with real opportunities — city assistance, state programs, and special incentives. One class shows you how to access them.
Unlock city & state help
Most Baltimore City and Maryland assistance programs require a homebuyer education certificate. This class is how you get one — and how you access grants that cut your upfront costs.
Know exactly where you stand
Credit, debt, savings, budget. You'll leave knowing your real numbers and the specific steps that move you toward approval in the Baltimore market.
Buy with confidence, not fear
You'll understand every step before you take it — no surprises, no pressure, no jargon. Our members have a 0% foreclosure rate for a reason.
See how the first step works
Watch how everyday Baltimore families use the class and their certificate to access down payment assistance and get to closing day — often faster than they expected.
Your path to the keys
Three steps. We walk every one of them with you.
- 01
Attend the class
Attend the required 6-hour homebuyer education class. You’ll learn about credit, budgeting, mortgages, downpayment assistance, the homebuying process, and what lenders look for.
- 02
Pay Your $59 Administrative Fee
$59 per person. Your fee covers the services that move you from homebuyer education to mortgage readiness:
- Tri-merge credit report
- Personalized budget
- Mortgage-ready package
- Credit and housing counseling
- Mortgage preparation
- 03
Send Your Documents, Complete Intake and Meet With Your HUD-Approved Housing Counselor
Now we put everything together. Your counselor will review your:
- Credit
- Income
- Debt
- Savings
- Budget
- Homebuying goals
Together, we’ll create a personalized action plan to become mortgage-ready. Already pre-approved? We move you forward and issue your down payment certificate.
Baltimore City has programs to help you buy
City and state assistance programs exist for Baltimore buyers — but they're easy to miss, and most require a certificate from a HUD-approved agency. Our members receive an average of $25,000 in assistance.
- Help with your down payment and closing costs
- Programs matched to Baltimore City and Maryland requirements
- Guidance on which city, state, and employer programs you qualify for
- Support with the paperwork, start to finish
Real Baltimore-area buyers. Real keys.
Families across Baltimore City started exactly where you are right now.
"I thought I was years away. The class showed me I was three months away — and the assistance covered almost all of my down payment."
Nia R.
First-time homeowner
"The class answered questions I didn't even know I had. I left with a certificate, a real budget, and a clear path to my first home."
Robin D.
First-time homeowner
"I went from Section 8 to owning my own home. If I can do this, anyone reading this can do it too."
Keith B.
Homeowner at 66
Your first step takes one click
Seats for the next Baltimore City online class fill quickly. Register now, earn your certificate, and find out how much help you qualify for.