Purchase-Repair Homeownership in Carroll, Frederick, and Washington Counties

IHA’s Purchase-Repair Homeownership program participants are paying less for homeownership than they were for rent, and they are building equity immediately!

IHA’s Purchase-Repair Homeownership Program provides affordable homeownership opportunities to families and individuals that wouldn’t otherwise qualify for a traditional mortgage. Program participants receive free technical assistance from IHA through the entire homeownership process, from credit repair and budget counseling, preparation of the loan application, locating and placing an appropriate home under contract, how to repair and maintain their home, as well as on-going post-purchase counseling to eliminate any chance of foreclosure in the future. The entire community benefits by revitalizing neglected communities, reusing infrastructure and preserving existing housing. This program is currently available in Carroll, Frederick, and Washington counties in Maryland.

Features of the program include:

  • No down payment!
  • Fixed rate below market interest rate
  • Monthly payment is based on income
  • Necessary repairs are financed as part of the mortgage loan through USDA
  • USDA
Maximum Income Eligibility Guidelines
Family Size Carroll Frederick Washington
1 $46,050 $49,200 $42,650
2 $52,650 $56,200 $48,750
3 $59,200 $63,250 $54,850
4 $65,800 $70,250 $60,950
5 $71,050 $75,850 $65,850
6 $76,350 $81,500 $70,700
7 $81,600 $87,100 $75,600
8 $86,850 $92,750 $80,450

Click here to download a pre-qualification worksheet.

Please return your completed worksheet and the signed authorization forms to:

Carol Riggles, Homeownership Coordinator
Interfaith Housing Alliance
5301 Buckeystown Pike, Suite 320
Frederick, MD 21704

FAX – (301) 662-6477

Call or email Carol if you need more information about this program. Her phone number is (301) 662-4225 ext. 1209 or visit their website.

Healthy Neighborhoods Loan Program For Baltimore City

Healthy Neighborhoods Loan Program

Healthy Neighborhoods oversees a $30.5 million private loan fund and provides special below-market loans to homebuyers and homeowners in Baltimore City to encourage investment and standard-setting renovation. Healthy Neighborhoods provides four innovative loans to eligible borrowers.

For a list of loan pool lenders who have contributed to this fund, click here.

Purchase & Renovate

Buying a home in one of Baltimore’s Healthy Neighborhoods? Healthy Neighborhoods offers a loan to help you purchase and renovate your new house on Healthy Neighborhoods target blocks. What’s in it for you? A below-market interest rate, free design advice, no private mortgage insurance requirement and more. What’s in it for us? We get new neighbors invested in keeping Baltimore beautiful! Learn More

Special Purchase

The special first mortgage loan is available to home buyers who will purchase formerly vacant homes in Belair-Edison developed by St. Ambrose Housing Aid Center and other formerly vacant homes developed by Healthy Neighborhoods approved developers. Learn More

Refinance & Renovate

Already live in a Healthy Neighborhood? We can refinance your existing mortgage and lend you additional funds to update your home on a target block. Learn More


Home Improvement

If you live within the boundaries of a Healthy Neighborhood but not on a target block, we offer this loan to help you complete some renovation to your home. You can borrow between $5,000 and $20,000 to build a chef’s kitchen, put in a spa bathroom, update outdated windows, upgrade with new mechanical systems–whatever your home deserves and you desire. Learn More

Visit Healthy Neighborhoods Website



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