Let's Get Started

The first step to accessing our services is to create a free account in our Services Portal. This will help track your journey. Sign up to get the following: Pre-purchase counseling; Financial coaching; NHS Mortgage Loans; and Homebuyer Education Workshops. Scroll down to see the service descriptions. At the bottom of the page, check the box to consent, and click on Continue. Call us at 410-327-1200 x104 with any questions.

 Workshops & Counseling Sessions

NOTE: only select this program if you have a credit score of 640 and at least $3000 in savings. The Pre-Purchase Program includes two components: an 8-hour HUD-approved course and a one-on-one counseling appointment. You must complete a HUD-Approved Course before attending the one-on-one counseling appointment.

    

[ZOOM COURSE] Check this box to sign up for our HUD-approved homebuyer education class (currently taught on Zoom).

    

[SELF-PACED ONLINE COURSE] Check this box if you prefer to take your HUD-approved homebuyer education class as a self-paced online course through eHome America.

    

[PREPURCHASE COUNSELING APPOINTMENT] Check this box to sign up for a one-on-one appointment. NOTE: You will only be able to schedule an appointment after you’ve completed the HUD-approved class (can be completed at NHS or any other HUD-approved counseling agency).

 Financial Coaching

Financial Coaching is designed for individuals with credit scores under 640 and/or less than $3000 in savings. Your coach will meet with you on a monthly basis to improve your finances until you are ready to transition to the Pre-purchase Program and buy a home.

    

[FINANCIAL COACHING APPOINTMENT] Check this box to sign up for a financial coaching appointment.

 NHS Mortgage Loans

This program will be available to customers who have already completed homebuyer education and a one-on-one appointment.

    

[FIRST MORTGAGE] Apply for a mortgage with NHS Baltimore.

    

[NHS DOWN PAYMENT ASSISTANCE] Only select this option if you have ALREADY COMPLETED the education, counseling, signed contract, and pre-approval from lender letter.

 Existing Homeowner Services

Use this loan to cover renovation projects, energy-efficient repairs OR to cover costly improvements such as new roof, furnace, electric or plumbing.

    

[RAPID REHAB LOAN] Check this box to apply for a rapid rehab loan and borrow up to $20,000. You must have a minimum credit score of 680. If you do not have a credit score of 680, you can sign up for Financial Coaching. No household income restrictions.

    

[REGULAR REHAB LOAN] Check this box to apply for a regular rehab loan and borrow up to $30,000. Gross household income must be at or below 80% Area Median Income.

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