Let's Get Started

The first step to accessing our services is to create a free account in our Services Portal. Sign up to get the following: Homebuyer Education Workshops; Pre-purchase Counseling; Financial Coaching; and NHS Mortgage Loans. Scroll down to see the service descriptions. Select a service and at the bottom of the page, check the box to consent. Next, 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.

    

[HOME MORTGAGE] Apply for a mortgage loan 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.

    

[REHAB HOME IMPROVEMENT 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.

I agree to the Consent to Receive Documents Electronically