Tour group A
Schedule
Today’s event includes a bus tour, informative workshops, and a City Living Fair.
9:00 AM: tour
See back cover for event map and bus launch location.
11:15 AM: workshops
Workshop descriptions and schedules are on the next page
12:15 PM: workshops
Workshop descriptions and schedules are on the next page
all day: City Living Fair
Don’t leave today’s event without speaking to:
Mortgage Lenders
Home Inspectors
Real Estate Agents Neighborhood Groups
Homeownership Counseling Agencies
IMPORTANT: Do not miss your bus. This is your only chance for a bus tour today.
Description & Schedule ........... 2 Tour Map & Featured Neighborhoods ..... 4 Buying Into Baltimore Incentive FAQs ... 5 Applying For The Lottery ......................... 6 City Living Fair Directory ....................... 8 Event Map ................................. back cover
Workshop
Workshop Descriptions
Workshops begin promptly. Late arrivals are strongly discouraged.
Note:
11:15 AM: Ask A Lender
All workshops are for informational purposes only and are not a part of earning your Homeownership Counseling Certificate.
Experts suggest meeting three lenders before choosing one for your home loan. Knock out those interviews in this workshop featuring three pros ready to answer your burning mortgage questions.
11:15 AM: 10 Common Homebuying Mistakes To Avoid
Overcome mistakes that can cause delays, make you ineligible for certain financial incentives, or even keep you from buying your dream home.
11:15 AM: Understanding Your Purchase Agreement
Hear from an expert real estate agent about the fine print of a purchase agreement and how to avoid surprises at closing.
11:15 AM: Zero-Percent Interest Mortgage Program
Are you making enough to pay a monthly mortgage but not enough to qualify for traditional bank loans? Learn more about the Habitat for Humanity of the Chesapeake Homeownership Program, which offers a 0% interest loan to eligible buyers.
11:15 AM:
What To Expect From Your Home Inspection
What is a home inspection, and why is it important? Learn what to expect in this critical part of your homebuying journey.
12:15 PM: Down Payment
Assistance 101
This panel discussion will dive into the various Baltimore City and Maryland Mortgage Program down payment and closing cost incentives, including how to qualify.
12:15 PM:
Piecing Together The Homebuying Puzzle
Learn about the different roles a mortgage lender, real estate agent, and title company play and how they work together to help you through the homebuying process.
12:15 PM: Home Maintenance
When it comes to owning a home, maintenance is a must. Learn what you’ll need to do to keep your home in tip-top shape.
12:15 PM: Purchase & Improvement Loan Program
The Healthy Neighborhoods Program provides low-interest purchase & rehab, refinance & rehab, and home-improvement loans in over 40 Baltimore communities.
12:15 PM:
How To Purchase A City-Owned Property
Join us for a brief overview of purchasing a vacant property from Baltimore City’s Department of Housing and Community Development.
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The next trolley tour is may 13, 2023 | #iheartcitylife | 3 Classroom 5 Classroom 4 Classroom 3 Classroom 2 Classroom 1 11:15 AM 12:15 PM
Just getting started Focused on affording your home Actively home-searching Zero-Percent Interest Mortgage Program 45 Minutes What to Expect From Your Home Inspection 45 Minutes Purchase & Improvement Loan Program 45 Minutes Which workshop should you attend? Look for these icons to determine the best classes for you. Piecing Together The Homebuying Puzzle 45 Minutes Down Payment Assistance 101 45 Minutes ask a lender 45 Minutes 10 Common Homebuying Mistakes To Avoid 45 Minutes understanding your purchase agreement 45 Minutes Home Maintenance 45 Minutes How to purchase a City-owned property 45 Minutes
Workshop Schedule
Tour
Featured Neighborhoods on the Trolley Tour
Today’s narrated bus tour passes through the following Baltimore City neighborhoods.
Bayview
Average: $186,415
Median: $180,000
Units Sold: 41
Walk Score: 79
Transit Score: 65
Bike Score: 55
Brewers Hill
Average: $419,471
Median: $385,000
Units Sold: 83
Walk Score: 81
Transit Score: 72
Bike Score: 88
Butcher’s Hill
Average: $353,790
Median: $345,000
Units Sold: 53
Walk Score: 83
Transit Score: 82
Bike Score:70
CARE Average: $193,838
Median: $200,000
Units Sold: 41
Walk Score: 91
Transit Score: 86
Bike Score: 66
Eager Park/Middle East
Average: $264,018
Median: $289,000
Units Sold: 56
Walk Score: 86
Transit Score: 86
Bike Score:65
Greektown
Average: $303,140
Median: $330,000
Units Sold: 100
Walk Score: 66
Transit Score: 67
Bike Score: 51
Highlandtown
Average: $309,888
Median: $303,750
Units Sold: 98
Walk Score: 94
Transit Score: 70
Bike Score: 80
McElderry Park
Average: $127,445
Median: $118,000
Units Sold: 107
Walk Score: 84
Transit Score: 80
Bike Score: 59
Milton-Montford
Average: $134,026
Median: $125,000
Units Sold: 32
Walk Score: 87
Transit Score: 82
Bike Score: 58
Patterson Park Neighborhood
Average: $276,745
Median: $269,500
Units Sold: 193
Walk Score: 88
Transit Score: 68
Bike Score:76
Upper Fells Point
Average: $304,948
Median: $299,900
Units Sold: 143
Walk Score: 95
Transit Score: 80
Bike Score: 79
Note: Home sale data is from calendar year 2022
Find home sale data for Baltimore City’s 250+ residential neighborhoods at LiveBaltimore.com/neighborhoods
GREENMOUNT OLIVER EAST BALTIMORE MIDWAY
DARLEY PARK
SOUTH CLIFTON PARK BROADWAY EAST
BEREA
FOUR BY FOUR
ORANGEVILLE INDUSTRIAL AREA ORCHARD RIDGE
Buying into Baltimore Incentive FAQs
Q: How can I earn a homeownership counseling certificate??
You can earn a homeownership counseling certificate by completing a homeownership workshop and counseling session with a City-approved counseling agency. For a complete list of City-approved counseling agencies, visit LiveBaltimore.com/counseling.
Q: How do I apply for the $5,000 incentive after the Trolley Tour event?
See pages 6-7 for full details on how to apply for the incentive.
Q: What are my chances of receiving a $5,000 incentive?
Incentives are awarded by lottery. The odds of receiving an award vary based on the number of applications submitted following each event. Past applicants have had about a 50% chance of receiving an incentive.
The Buying Into Baltimore incentive is available every Winter, Spring, and Fall after attending a Trolley Tour event.
Q: How many incentive awards are available through each event?
Twenty homebuyers from each Trolley Tour event may receive the Buying Into Baltimore incentive. Incentive money is not awarded at events.
Q: How are $5,000 incentives awarded following an event?
Twenty Buying Into Baltimore incentives are awarded by lottery following each Trolley Tour event. Incentive money is distributed at settlement, not at events.
Lottery winners from the January Trolley Tour are chosen from a pool of all eligible applicants at 3 pm on February 10, 2023. All participants are contacted via email after the lottery drawing.
Q: Can my partner and I both qualify for an incentive?
Only one incentive application will be accepted per property address. One contract equals one lottery entry, meaning two people buying a home together will not be entered into the lottery twice.
TO APPLY FOR THE LOTTERY, REVIEW TERMS AND CONDITIONS, OR VIEW THE APPLICATION CHECKLIST, SCAN THE QR CODE OR VISIT: LiveBaltimore.com/lottery
Have a question? Get in touch! lottery@LiveBaltimore.com | (410) 637-3750 x118
The next trolley tour is may 13, 2023 | #iheartcitylife | 5
Applying for the Lottery
Review: Review the Full Incentive Terms and Conditions at LiveBaltimore.com/lottery carefully to ensure you meet eligibility requirements.
Apply: Gather the required documents below and apply for the Buying Into Baltimore incentive through Neighborly, Baltimore City’s secure online application portal. You may apply and submit your documents beginning at 9 am on Monday, January 30, 2023. When applying, make sure to select the Buying Into Baltimore incentive checkbox.
REQUIRED DOCUMENTS TO UPLOAD WITH YOUR ONLINE INCENTIVE APPLICATION:
TROLLEY TOUR TICKET: You received an admission ticket today. Remember to keep it as part of your attendance verification.
HOMEOWNERSHIP COUNSELING CERTIFICATE: This certificate is awarded by a City-approved counseling agency after you successfully complete a homeownership workshop and counseling session. All buyers listed on the sales contract/mortgage documents must have their names on a counseling certificate. The counseling certificate must be dated BEFORE the date of offer.
PROOF OF $1,000 CONTRIBUTION: Provide a copy or photo of the check or other form of proof that you are contributing at least $1,000 to your home purchase.
RATIFIED CONTRACT: Your contract of sale must be for a home in Baltimore City. Ratified means that both you and the seller have signed the contract. All components of the contract, including the initial offer to buy the home, must be dated and signed on or after January 28, 2023. Settlement must occur by May 11, 2023.
VERIFY: After applying, a Live Baltimore staff member will review your application and email you to schedule a 10-minute Zoom appointment for application verification. You are entered into the lottery only after your appointment. The deadline to apply and complete a verification appointment is 12 pm on February 10, 2023.
Watch: Watch the lottery on Live Baltimore’s Facebook page at 3 pm on February 10, 2023 to find out if you’ve been selected!
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Rules:
• The $5,000 incentive must be used at settlement and cannot be distributed after you close on your home.
• Incentive funds may be combined with other programs (to the extent allowed by other programs).
• Only one incentive application will be accepted per property address.
Requirements:
• Homes must be owner-occupied for at least five years to avoid repayment.
• Incentive applicants must invest at least $1,000 toward their home purchase.
• Your ratified contract of sale must be for a home in Baltimore City.
• Incentive applicants must provide evidence of mortgage financing from an accredited lending institution.
Restrictions:
• Incentive applicants’ mortgage amounts cannot exceed the current FHA mortgage limit of $583,050 for a single-family home. (Limits vary for multi-family homes.)
• Homes that have not yet been constructed are ineligible. Due to settlement date requirements, short sales, foreclosures, and other non-traditional transactions may also be ineligible.
• Fixed-rate mortgages only. Co-signers, cash sales, and owner-financing are not permitted.
• Other restrictions may apply. Contact the Baltimore City Office of Homeownership for details: Mia Conyer | (410) 396-1319 | Mia.Conyer@baltimorecity.gov
TO APPLY FOR THE LOTTERY, REVIEW TERMS AND CONDITIONS, OR VIEW THE APPLICATION CHECKLIST, SCAN THE QR CODE OR VISIT: LiveBaltimore.com/lottery
Have a question? Get in touch! lottery@LiveBaltimore.com | (410) 637-3750 x118
The next trolley tour is may 13, 2023 | #iheartcitylife | 7
Twenty incentives will be awarded to qualified applicants through a lottery. Online applications must be completed by 12 pm on February 10, 2023.
City Living Fair
Nzinga Anderson nzingaanderson.alexander@gmail.com
(443) 629-7284
Realty One Group Excellence
Chanelle Barnes chanellebarnes1@gmail.com
(410) 804-6716
Keller Williams Legacy
Kate Barnhart kate@movetobaltimore.com
(443) 990-1768
Keller Williams Gateway
Shira Bethea shira.bethea@lnf.com
(410) 377-6252
Long & Foster
Vernise Bolden homes@vernise.com
(410) 645-0524
Realty One Group Universal
Violet Bridges violet.bridges@longandfoster.com
(443) 474-4366
Long & Foster
Travis Brock twbrock03@gmail.com
(775) 313-6958
Coldwell Banker
Natalya Brusilovsky natalyabrusilovsky@gmail.com
(443) 416-7415
Goldsmith Realty
Susan Carroll susanbcarroll@kw.com
(443) 854-4190
Keller Williams Metropolitan
Our City Living Fair is your chance to build your real estate dream team!
Stop by the fair to connect with real estate agents, mortgage lenders, and more of our trusted partners!
Note: The City Living Fair is open all day.
real estate agents
Chris Chamberlin chris@cummingsrealtors.com
(443) 980-1818
Cummings & Co
Vantria Conway vantria@harrishawkinsandco.com
(410) 918-8015
Harris Hawkins & Co.
Gabi Czerwinska gabi.ianek2006@gmail.com
(443) 307-3746
Harris Hawkins & Co.
Anita Davis anita.davis@longandfoster.com
(410) 599-4315
Long & Foster
Darnell Davis darnell.davis@kw.com
(410) 258-3755
Keller Williams Legacy
Jill Dennis jill.dennis@longandfoster.com
(443) 838-4249
Long & Foster
Gabriel Dutton gabrield@kw.com
(443) 756-4878
Keller Williams Metropolitan
Clausen Ely clausen3@aol.com
(410) 576-8522
Results1Realty, LLC
Melissa Evans melissa@melissaevans.org
(443) 625-8159
Compass Realty
Krista Everett krista@harrishawkinsandco.com
(443) 930-6248
Harris Hawkins & Co.
Jason Fillippou jason@filippourealestate.com
(410) 458-7108
Cummings & Co
Mary Ann Foreman mafsells@gmail.com
(410) 449-1595
Coldwell Banker
Tamika Gauvin tamika.gauvin@lnf.com
(443) 986-7399
Long & Foster
Lisa Gilmore lisagilmore@kw.com
(443) 694-0223
Keller Williams Flagship of MD
Erik Grooms erikgrooms@godouglasrealty.com
(410) 370-6732
Douglas Realty
Jennifer Habte jennifer.habte@cbmove.com
(443) 996-9026
Coldwell Banker
Rebecca Hall rhall.realtor@gmail.com
(443) 681-9277
Cummings & Co
Tiffany Hayes tiffany@clashhometeam.com
(443) 799-4374
The Clash Home Team
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Cliff Henderson cliff@homebuyerbrokerage.com (301) 928-2387
HomeBuyer Brokerage
Kenya Hill kenyasellsmd@gmail.com (443) 202-7006
Cummings & Co
Sean Hutchens sean@atlaspremierrealty.com (443) 597-6341
Atlas Premier Realty
Joseph Jones joseph.leroyrealty@gmail.com (443) 690-1248
Execuhome Realty
Jamie Koehler jamie.koehler@cummingsrealtors.com (443) 604-5875
Cummings & Co
Kim Lally Holmes kim@hghomegroup.com (443) 799-0036
eXp Realty
Mark Lee mark@gomarklee.com (410) 375-6114
Cummings & Co
Rachel Leflore rachel.leflore@bobandronna.com (480) 589-7927
Keller Williams Realty Chantilly – MD
Michael Levine michael@greaterbaltimorerealty.com (443) 690-3990
Douglas Realty
Brenda Loney love4all2@verizon.net (443) 710-9952
TDK Realty
Christopher “Ken” Macon maconithappenllc@gmail.com (850) 485-4512
Samson Properties
Jennifer March-Zappacosta jennzappacostarealtor@gmail.com
(740) 405-2460
Coldwell Banker
Jennifer Marsh jennifer@mykeyhometeam.com
(410) 925-1157
Berkshire Hathaway HomeServices PenFed Realty
Joseph Mayo joemayosellsmore@gmail.com
(443) 845-9413
Keller Williams Legacy
Kelsey McCoskey kelseylm1@yahoo.com
(443) 226-6332
Results1Realty, LLC
Caroline Meredith caroline.meredith@compass.com
(410) 978-6964
Compass Realty
Tiffany Mickey homesaleswithtiffany@gmail.com
(410) 504-7155
eXp Realty
Tyra Mitchell tyravmitchell@gmail.com
(443) 908-9104
Kemp & Associates
Daniel Morris dan.morris@longandfoster.com
(443) 992-5635
Long & Foster
Mark Moyer golden.baltimore@yahoo.com
(570) 279-6199
Douglas Realty
Shenel Nurse shenelknowsrealestate@gmail.com
(410) 371-7845
Kemp & Associates
Ashely Osineme ashley@the1grp.com
(443) 850-9473
Monument Sothebys International Realty
Amanda Paris amandaparisrealtor@gmail.com
(410) 995-8339
Coldwell Banker
Louis Perkins lperkins@homesale.com
(410) 294-9220
Berkshire Hathaway Home Services HomeSale Realty
Diana Pham diana@thebeliveaugroup.com
(443) 722-8899
eXp Realty
Michael Rawls mdrawlscorp@aol.com
(443) 622-4991
Samson Properties
Molly Reed molly.reed@compass.com
(518) 496-5674
Compass Realty
Naomi Reetz naomi@reetzhomes.com
(410) 292-8767
Cummings & Co
Lori Rogers lori.m.rogers@exprealty.com
(443) 629-7554
eXp Realty
Stephen Sattler scsattler@comcast.net
(443) 904-1352
Cummings & Co
Timothy Schlauch tschlauchrealtor@gmail.com
(410) 913-2828
Coldwell Banker
Amanda Schwartzkopf amanda.schwartzkopf@monumentsothebysrealty.com
(443) 462-2224
Monument Sothebys International Realty
Adrienne Sesay adrienne@tphgsellsdc.com
(443) 900-8875
Thompson Premier Homes Group
K. Dale Terrill dale@wearecharmcity.com
(410) 440-3406
Monument Sothebys International Realty
Shelia Thomas sthomas@agentsthomas4u.com
(443) 271-5485
eXp Realty
Emily Trageser emily@emilytrageser.com
(443) 935-7285
Compass Realty
Kari Walling karisellsbaltimore@gmail.com
(443) 345-0377
Cummings & Co
The next trolley tour is may 13, 2023 | #iheartcitylife | 9
10 | Follow us on social at @livebaltimore | Use #iheartcitylife to share your day
Michael
David
Stacie
realestatewow@gmail.com
Michele
real estate teams home inspectors Developments and New Construction
Kyara Uqdah kyara@charmcitybuyers.com (443) 203-8116
Frank mike@frankoliverco.com (443) 668-6628 Alonna Davis alonna@roguniversal.com (443) 740-5751
Jimenez dave@newhometeammd.com (301) 908-4420 Melanie du Bois mdubois@habitatchesapeake.org (443) 297-9574 Sophia McCormick sophia@nextsteprealtymd.com (443) 676-7800 Bryan Rewers bryanrewers@ henderson-crossing.com (443) 756-5119 Ben Garner ben@homesby212.com (240) 216-7841
Teal Locust
(443) 865-7267 Devonya Jones devonya.jones@rebuildmetro.com (443) 867-2104
Smith homecheckinspection@atlanticbb.net (410) 643-5768
Chris Fratta chris.fratta@benchmark.us
(410) 303-0745
Stuart Epstein sepstein@cmghomeloans.com
(410) 491-0200
Rahn Barnes rbarnes@ healthyneighborhoods.org
(410) 332-0387
Malcolm Crane malcolm.crane@fairwaymc.com
(917) 207-2789
Ayaz Rahemanji ayaz@firsthome.com
(443) 873-5505
Jordan Jones jojones@ fultonmortgagecompany.com (610) 883-6497
Kadiatu Kebe kkebe3@mtb.com
(202) 836-5447
Armando Santiago Asantiago@mecu.com
(410) 241-6571
Bobby Duckett robert.duckett@phmloans.com
(718) 552-5574
Richard Pazornik rpazornik@meridianbanker.com
(443) 600-1282
Kevin Albertini kalbertini@sandyspringbank.com
(410) 446-6617
other trusted partners
Patti Click pclick@primelending.com
(443) 802-6864
Toni Davis-Spivey tdavis-spivey@truist.com
(410) 746-4643
Jamie Hylton jamiehylton@allstate.com
(410) 275-7010
www.dhcd.baltimorecity.gov
Kareema Pinder kpinder@nhsbaltimore.com (410) 327-1200
The next trolley tour is may 13, 2023 | #iheartcitylife | 11
lenders
Event Map
Henderson-Hopkins has an Early Childhood Center and offers public education for grades PK through 8. In addition, the Johns Hopkins Partnership School features state-of-the-art classrooms, swing spaces, and a brand-new athletic field.
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your day
| Use #iheartcitylife to share
ASHLAND AVENUE CITY LIVING FAIR ATHLETIC FIELD 1 2 5 4
x CLASSROOM CITY LIVING FAIR BUS LAUNCH LINE EVENT INFO RESTROOMS BUS LINE REGISTRATION
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