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| FIRST-TIME BUYER PROGRAM | BALTIMORE COUNTY S.E.L.P. | REALTOR AFFILIATES | LENDER PARTNERS | ||
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The Housing Partnership serves communities in both Baltimore City and Baltimore County. Home buyers should seek services from the housing counseling agency where they are most likely to purchase a home Baltimore City The communities of Northeast Baltimore City, including: Acradia, Beverly Hills, Cedonia, Frankford, Gardenville, Hamilton Hills, Lauraville, Loch Raven, Mayfield, Morgan Park, North Harford, Overlea, and Parkville. Zip codes: 21206, 21213, 21214, 21218, and 21234. Baltimore County Our Baltimore County communities include Fullerton, Perry Hall, Nottingham, White Marsh, Overlea, Holland Hills, Carney, Parkville, Ridgeleigh, Idlewylde, Lutherville, Timonium, and Cockeysville. Zip codes: 21204, 21206, 21212, 21236, 21237, 21239, 21286, 21128, 21030, 21093, and 21031. In 1993, the HARBEL Housing Partnership was created as a regional homeownership program. The HARBEL Housing Partnership is affiliated with the HARBEL Community Organization, Inc. HARBEL, Inc. was founded in 1970, as a nonprofit, 501(c)(3) multi-service organization. The Partnership’s goal is to provide comprehensive homeownership education and counseling that enable buyers to become long-term homeowners and to promote our communities. Value of Pre-Purchase Counseling The
one-on-one counseling session is designed to meet the needs of the home
buyer. The buyer’s
documentation is reviewed and we discuss the loan application process,
their price range and mortgage payment, and what special programs they
might be eligible for applying to. Counseling can also benefit a person, who has credit problems or lack of funds, by providing specific steps to take to achieve their goal of homeownership. |
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