Homeownership for Individuals with Disabilities Program

Maryland Home Financing Program

1. Contact a housing counseling agency. Refer to the list of counseling agencies for one in your area. A counseling certificate must be received prior to the execution of a contract of sale.

2. Enter into a contract of sale on an eligible property (newly constructed homes must be in a Priority Funding Area) preferably with the assistance of a realtor.

3. Set up a meeting to complete an application with the appropriate organization (refer to the contact list ).

4. The loan packager will do a preliminary review of the borrower's eligibility and reserve funds for the loan.