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HARBEL Housing Partnership
“Make education and counseling your first-step toward homeownership”

The Housing Partnership serves communities in both Baltimore City and Baltimore County. Home buyers should seek services from the housing counseling agaency where they are most likely to purchase a home.

Home Buyer Workshop Registration
All interested persons must call HARBEL Housing Partnership for workshop information and registration. We do not register online or by email.
Our office hours are Monday through Friday, 9:00 a.m. to 4:30 p.m.

Please do not email
but call 410-444-9152 during business hours.

Potential home buyers must complete a Home Buyer Workshop, a Pre-Settlement Workshop and counseling prior to submitting a contract offer on a home. HARBEL Housing Partnership does not recognize any online workshop or counseling toward the completion of requirement for any of the State, City or Baltimore County assistance programs.

Workshops are held on various days (No Saturday Workshops) and held at various locations within our service area. HARBEL sponsors two-three evening workshops (6:00 p.m. - 9:00 p.m.) per month and one weekday daytime workshop per month. Workshops are free of charge, but contributions are welcome.

During your Home Buyer Workshop you will learn how to schedule your second required workshop, Pre-Settlement, and how to prepare for your counseling appointment.

History & Overview of Program

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 and promote our communities.  Our mission is to ensure that the home buyers who participate in our program become successful, long-term residents in our community.
The Partnership provides pre-purchase home buyer workshops and counseling, credit & budget counseling, and real estate professional training.  Homeownership changes lives, and the Partnership is proud to play a role in making a difference.


Pre-Purchase Home Buyer Workshops
A  pre-purchase workshop should be the buyer’s the first step.  Schedule your workshop before submitting a contract offer.
The three-hour long workshops cover the following major topics:
• Budget, credit, savings, and mortgage payment comfort level.
• The role of the real estate agent, the house hunting process, contract
   negotiation, and home inspection.
• Mortgage financing – how to choose the right mortgage program and the
   mortgage process
• Mortgage and settlement assistance program options.
• Instructions on scheduling counseling and obtaining a voucher of attendance
   are provided at the workshop.
Pre-Purchase and Credit Counseling
At HARBEL, pre-purchase  counseling is scheduled after workshop attendance and the completion of an intake form and the collection of documentation.  In addition, our credit counseling is ideal for potential home buyers who may have credit issues that must be resolved prior to applying for a loan.
Pre-Settlement Workshop
Ideal for the home buyer who wants more information about the settlement process and your life as a homeowner [home maintenance, home repairs and improvements and refinancing options]. The Pre-settlement workshop is a requirement for home buyers purchasing in Baltimore County and for some Baltimore City buyers.
Additional Services
Referral services to real estate agents and mortgage lenders
Real Estate Agent and Mortgage Lender Training

Housing Counseling Agencies Resource Listing

HARBEL Housing Partnership Lender Partners

HARBEL Housing Partnership Preferred Agent Affiliates

HARBEL Housing Partnership Title Company Affiliates

HARBEL Housing Partnership Insurance Affiliates

HARBEL Housing Partnership First-Time Home Buyers Assistance Guide

Foreclosure Intervention Services