Live Baltimore's Fall 2022 Trolley Tour Program

Greetings,

On behalf of Live Baltimore’s board and staff, thank you for deciding to spend your Saturday morning with us. We are so excited to be a part of your homebuying journey and welcome you to our in-person Trolley Tour!

If you’ve been to a Trolley Tour in the past, this event will look a little different. However, the Trolley Tour is still a three-part event.

It includes a narrated tour of more than 10 Baltimore City neighborhoods, a chance to meet with real estate professionals and community organizations, and workshops on a variety of homebuying topics.

Are you just getting started and want to know more about the mortgage application process? Workshops like “Ask a Lender" and "Down Payment Assistance 101” are designed for you. Have you already assembled your real estate team (or even found your dream home)? Check out “What to Expect from Your Home Inspection.” Whichever workshop (Pages 4 and 5) you choose, you’re in for an informative time.

The Trolley Tour is also a qualifying event for the City of Baltimore’s $5,000 Buying Into Baltimore incentive (Page 6). Please do not hesitate to ask a Live Baltimore staff member or volunteer for help today. You may also call or email following the event for answers to all of your Baltimore City homebuying questions. Finally, our small team could not put on events like this without the help of our fantastic partners and volunteers. Don’t forget to speak with as many exhibitors as possible in today’s City Living Fair (Pages 10-13). They are assembled here for you!

We hope you enjoy the neighborhoods highlighted on your tour today as much as we do and wish you the very best in your Baltimore City home search!

Sincerely, Annie Milli

Director, Live Baltimore

Into Baltimore Incentive.....

tour

living fair

agencies..........................14

homebuying process..................

for the lottery.................16

application

Your Day

Today’s event includes a bus tour, informative workshops, and a City Living Fair. You are strongly encouraged to take advantage of all parts of the event.

9:15 AM: Bus Tour

Bus loading is on the ground floor. Buses begin loading at 9 am.

11:15 AM: workshops

Workshop descriptions and schedules are on page 5

12:15 PM: workshops

Workshop descriptions and schedules are on page 5

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.

Event Map

The event takes place throughout 3 floors.

1st floor - Event Check-in and Bus Launch

2nd floor - City Living Fair and Classrooms 1, 2 & 3

3rd floor - Classrooms 4 & 5

SMC CAMPUS CENTER

The SMC Campus Center is an interprofessional hub that houses many different services for the students, faculty, and staff of the University of Maryland, Baltimore.

1ST FLOOR ELEVATOR

CHECK-IN

BUS LOADING

STAIRS TO 2ND FLOOR

EVENT ENTRANCE

classroom

2ND FLOOR

ELEVATOR

classroom

STAIRS TO 3RD

STAIRS TO 1ST FLOOR

ELEVATOR

3RD FLOOR

LOMBARD STREET

classroom

STAIRS TO 2ND

trolley

Workshop Descriptions

Workshops begin promptly. Late arrivals are strongly discouraged.

Note:

All workshops are for informational purposes only and are not a part of earning your Homeownership Counseling Certificate.

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.

11:15 AM

The Habitat for Humanity Program

Learn how to become a homebuyer with Habitat for Humanity of the Chesapeake.

11:15 AM

Mortgage Myths and Facts

Find out what will really improve your credit, what behavior can hurt your score and which homebuying rumors are true or false.

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

Piecing Together the Homebuying Puzzle

Learn about the different roles a mortgage lender, real estate agent, and a title company play and how they work together to help you through the homebuying process.

11:15 AM

Ask a Lender

Experts suggest meeting three lenders before choosing one for your home loan. Knock out those interviews in this workshop featuring three pros who are ready to answer your burning mortgage questions.

12:15 PM

The Healthy Neighborhoods Program

Learn about the unique renovation and purchase loans available in more than 35 Healthy Neighborhoods across Baltimore City.

12:15 PM

What to Expect From Your Home Inspection

What is a home inspection and why is it important? Learn what to expect from this important part of your homebuying journey.

12:15 PM

How to Purchase A City Owned home

Join us for a brief overview on the process of purchasing a vacant property from Baltimore City's Department of Housing and Community Development.

12:15 PM

$5,000 Buying Into Baltimore Incentive

Terms and Conditions

The $5,000 Buying Into Baltimore incentive is a five-year forgivable loan that appears as a second lien on a property. The lien balance will reduce by 20% per year for five years until forgiven (or repaid). Properties sold or rented before the forgiveness date (year five) will be charged the remaining balance of the lien. Upon refinancing, the balance of the lien can be subordinated.

The $5,000 Buying Into Baltimore incentive is awarded by lottery 10 business days after Live Baltimore’s Trolley Tour event. Twenty homebuyers will be selected to receive funds from a pool of eligible applicants.

Lottery Eligibility and Application:

• Homebuyers must attend and complete requirements of Live Baltimore’s Trolley Tour event. See Incentive Application Checklist (page 17).

• Following the Trolley Tour event, incentive applicants have 10 business days to submit a completed application to Live Baltimore that includes proof of an accepted offer, a ratified contract of sale, and all required paperwork to become eligible for the $5,000 Buying Into Baltimore incentive lottery drawing. All paperwork pertaining to the contract, including the initial offer to buy the home, must occur on or after October 1, 2022.

• Only one incentive application will be accepted per property address.

Rules, Requirements, and Restrictions:

• Incentive recipients must earn a Homeownership Counseling Certificate from a City-approved counseling agency prior to making an offer on a home.

• Homeownership certificates are temporarily valid for 18 months from the date of completion.

• Incentive recipients must invest at least $1,000 toward their home purchase (via earnest money deposit, credit report fee, inspection fee, appraisal fee, or other investment).

• Incentive recipients’ mortgage amounts cannot exceed the current FHA mortgage limit of $583,050 for a single-family home. (Limits vary for multi-family homes.)

• Homes must be owner-occupied throughout the five-year forgivable loan term.

• Incentive recipients must follow application guidelines and confirm eligibility prior to settlement. Funds cannot be issued after settlement.

• Incentive recipients must go to settlement within 90 days of being selected in the lottery drawing.

• Incentive recipients must provide evidence of mortgage financing from an accredited lending institution.

• 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.

• Incentive funds may be combined with other programs (to the extent allowed by other programs).

• Other restrictions may apply. Contact the Baltimore City Office of Homeownership for details.

Program Contact: Mia Conyer

Baltimore City Office of Homeownership (410) 396-1319

MiaConyer@baltimorecity.gov

Live Baltimore is not responsible for the distribution of incentive funds. Incentive funds are provided and regulated by Baltimore City's Department of Housing and Community Development.

trolley tour

28, 2023

INNER HARBOR

PENN-

FALLSWAY

You will see these amenities on your tour

Featured Neighborhoods

Today’s narrated bus tour passes through the following Baltimore City neighborhoods.

DUNBARBROADWAY

Ridgely’s Delight

Median Sale Price = $270,000

Units Sold = 39

Walk Score = 91

Bike Score = 86 Transit Score = 100

CARE

Franklin Square

MCELDERRY PARK MILTONMONTFORD

Downtown

Median Sale Price = $59,000

Units Sold = 28

Walk Score = 72 Bike Score = 61 Transit Score = 80

WASHINGTON HILL

Washington Village/ Pigtown

Median Sale Price = $175,000

Units Sold = 213 Walk Score = 91

PERKINS HOMES

Bike Score = 78 Transit Score = 85

Hollins Market

Barre Circle

Median Sale Price = $204,900

PATTERSON PLACE PATTERSON NEIGHBORHOOD

BUTCHER'S HILL

Median Sale Price = $237,450

Units Sold = 12 Walk Score = 91 Bike Score = 85 Transit Score = 100

UPPER FELLS POINT

Median Sale Price = $160,000

Units Sold = 57 Walk Score = 91 Bike Score = 80 Transit Score = 91

Sharp-Leadenhall

Median Sale Price = $310,000

Units Sold = 13 Walk Score = 96 Bike Score = 84 Transit Score = 86

FELLS POINT

Poppleton

Median Sale Price = $195,000

Units Sold = 7 Walk Score = 85 Bike Score = 77 Transit Score = 91

Federal Hill

Median Sale Price = $325,000

Units Sold = 131 Walk Score = 98 Bike Score = 77 Transit Score = 89

Inner Harbor

Median Sale Price = $390,000

Units Sold = 116 Walk Score = 85 Bike Score = 81 Transit Score = 100

Units Sold = 47

Walk Score = 99 Bike Score = 72 Transit Score = 100

Mount Vernon

Median Sale Price = $201,000

Units Sold = 19 Walk Score = 99 Bike Score = 78 Transit Score = 100

PATTERSON PARK

Seton Hill

Median Sale Price = $200,000

Units Sold = 15 Walk Score = 89 Bike Score = 79 Transit Score = 100

Heritage Crossing

Median Sale Price = $213,000

Units Sold = 4 Walk Score = 72 Bike Score = 78 Transit Score = 82

CANTON

Note: Home sale data is from calendar year 2021

Home sale data for Baltimore City’s 250+ residential neighborhoods can be found at LiveBaltimore.com/neighborhoods

LOCUST POINT

The next trolley tour is January 28, 2023

PENNFALLSWAY ELLWOOD

Rash Field Park

Oriole Park

M&T Bank Stadium

Upton Gateway Hollins Market

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 vernise@kw.com (410) 645-0524

Keller Williams Legacy

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

Jadaya Cason jadaya@harrishawkinsandco.com (443) 803-5489

Harris Hawkins & Co.

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.

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

Jessica DuLaney jessica@thewhomegroup.com (443) 286-5465

Next Step Realty

Lauren DiMartino

Lauren.DiMartino@eXpRealty.com (850) 381-3888

eXp Realty

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

Jason Fillippou

jason@filippourealestate.com (410) 458-7108

Cummings & Co

Mary Ann Foreman mafsells@gmail.com (410) 449-1595

Coldwell Banker

Michael Frank mike@frankoliverco.com (443) 668-6628

Berkshire Hathaway Home Services PenFed Realty

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 Guerrieri-Phipps jennifergp@nextsteprealtymd.com (443) 721-6286

Next Step 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@klrrealestate.com (410) 948-4303

KLR Real Estate

Use #iheartcitylife to share your

Kenya Hill kenyasellsmd@gmail.com (443) 202-7006

Cummings & Co

Cleveland Horton chorton@kw.com (443) 379-3158

Keller Williams Realty Centre

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

Carol Lerch carol@nextsteprealtymd.com (410) 419-2094

Next Step Realty

Michael Levine michael@greaterbaltimorerealty.com (443) 690-3990

Douglas Realty

Malinda Lievers mememovesyou@gmail.com (667) 216 -0942

United Real Estate Executives

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

Red Cedar Real Estate

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

Jacquetta Olaseha jojo@nextsteprealtymd.com (443) 537-0149

Next Step Realty

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

Rich Rudy rrudy@pinnaclere.net (443) 506-0566

Pinnacle Real Estate

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

Paul Stagg paul.stagg@homefusionsales.com (410) 935-9575

Cummings & Co

K. Dale Terrill dale@wearecharmcity.com (410) 440-3406

Monument Sothebys International Realty

Shelia Thomas sthomas@agentsthomas4u.com (443) 271-5485

eXp Realty

Daniel Thompson daniel_thompson@jackalope.cc (443) 695-3101

Keller Williams American Premier 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 January 28, 2023

Kyara Gray kgray@charmcitybuyers.com (443) 203-8116

Riley Russell rrussell@habitatchesapeake.org (443) 805-6011

Bryan Rewers bryanrewers@ henderson-crossing.com (443) 756-5119

Devonya Jones devonya.jones@rebuildmetro.org (443) 867-2104

Jonathon Croco jon@thebreedengroup.com (443) 319-3862

Stacie Teal Locust realestatewow@gmail.com (443) 865-7267

real estate teams home inspectors

Ben Garner Ben@HomesBy212.com (240) 216-7841

David Jimenez dave@newhometeammd.com (301) 908-4420

Sophia McCormick sophia@thewhomegroup.com (443) 676-7800

Michele Smith homecheckinspection@atlanticbb.net

(410) 643-5768

Malcolm Crane malcolm.crane@fairwaymc.com (917) 207-2789

Stuart Epstein sepstein@cmghomeloans.com (410) 491-0200

Kadiatu Kebe kkebe3@mtb.com (202) 836-5447

Patti Click pclick@primelending.com 443-802-6864

Drew Mandela drew@micasatg.com (301) 802-6411

Ayaz Rahemanji ayaz@firsthome.com (443) 873-5505

Rahn Barnes

rbarnes@healthyneighborhoods.org (410) 332-0387

Armando Santiago Asantiago@mecu.com (301) 256-5776

Bobby Duckett robert.duckett@phmloans.com (718) 552-5574

other trusted partners

trolley tour

Jordan Jones

jojones@fultonmortgagecompany.com (610) 883-6497

Chris Fratta chris.fratta@htlenders.com (410) 303-0745

Kevin Albertini kalbertini@meridianbanker.com (410) 446-6617

Toni Davis-Spivey tdavis-spivey@truist.com (410) 746-4643

www.dhcd.baltimorecity.gov

Counseling Agencies

You MUST obtain a homeownership counseling certificate from a Baltimore City-approved counseling agency to participate in almost any State of Maryland or Baltimore City homeownership incentive program. This typically requires eight hours of education in a group class and one or more one-on-one sessions with a counselor. Contact one of the agencies below to begin the counseling process.

Belair Edison Neighborhoods, Inc.*

3545 Belair Road Baltimore, MD 21213

Phone: (410) 485-8422 Spanish: (410) 914-4245 www.belair-edison.org

CHAI-Comprehensive Housing Assistance, Inc.*

5809 Park Heights Avenue Baltimore, MD 21215

Phone: (410) 500-5300 www.chaibaltimore.org

Druid Heights Community Development Corporation

2140 McCulloh Street Baltimore, MD 21217

Phone: (410) 523-1350 www.druidheights.com

Garwyn Oaks (go) Northwest Housing Resource Center*

2300 Garrison Boulevard, Suite 140 Baltimore, MD 21216

Phone: (410) 947-0084 www.go-northwesthrc.org

Consumer Counseling Credit Services of md*

2651 Tolley Street Baltimore, MD 21230 Phone: 1-800-642-2227 www.cccsmd.org

HARBEL Housing Partnership

5807 Harford Road Baltimore, MD 21214 Phone: (410) 444-9152 www.harbel.org

Latino Economic Development Center

10 E. North Avenue Baltimore, MD 21218 Phone: (443) 708-7035 www.ledcmetro.org

Neighborhood Housing Services Of Baltimore, Inc.*

25 E. 20th Street, Suite 170 Baltimore, MD 21218

Phone: (410) 327-1200 www.nhsbaltimore.org

Park Heights Renaissance, Inc.*

3939 Reisterstown Road, Ste.268 Baltimore, MD 21215

Phone: (410) 664-4890 www.boldnewheights.org

Reservoir Hill Improvement Council

10 E. North Ave. Suite 5 Baltimore, MD 21202 Phone: (410) 225-7547 www.reservoirhill.net

Southeast Community Development Corporation*

3323 Eastern Avenue, Suite 200 Baltimore, MD 21224

Phone: (410) 342-3234 www.southeastcdc.org

St. Ambrose Housing Aid Center*

321 E. 25th Street Baltimore, MD 21218

Phone: (410) 366-8550 www.stambros.org

Operation Hope

802 N. Wolfe Street Baltimore, MD 21205

Phone: (240) 630-1391 www.operationhope.org

*Online

step 1

Create your LiveBaltimore.com account

Once you’ve created your account, you may use interactive tools to find your perfect neighborhood and match with financial incentives. Save neighborhoods and real estate partners for reference as you move through additional steps in the homebuying process.

the Homebuying Process

2 step 3

Sign-up for Homeownership Counseling and Earn Your Counseling Certificate

Nearly all homebuying incentive programs require that you earn a Homeownership Counseling Certificate from an approved counseling agency BEFORE making an offer on a home. Certificates are good for one year so we recommend obtaining your certificate early in the process. See a list of Baltimore City-approved counseling agencies on Page 14.

Choose a Mortgage Lender and Get Pre-Qualified

Working with a lender who is well-versed in the City’s financial incentive programs is critical to buying in Baltimore! Contact a knowledgeable mortgage lender for pre-qualification and guidance on using incentives to buy your home. Getting pre-qualified by a mortgage lender early will allow you to focus your search on options you can afford.

step 4

Choose a Real Estate Agent

Start your search for a real estate agent with our City Living Experts (Page 10). These trusted partners know the particulars of homebuying incentives, property taxes, tax credits, ground rent, and other aspects of homebuying in Baltimore City.

Have more questions about the homebuying process?

info@livebaltimore.com or call (410) 637-3750 for one-on-one assistance.

next trolley tour

Applying for the Lottery

Twenty incentives will be awarded to qualified applicants through a lottery. Please follow the steps below to apply for the incentive.

Review: Review the Full Incentive Terms and Conditions (page 6) carefully and make sure you have gathered your documents listed in the Incentive Application Checklist (page 17) for the Fall 2022 event.

Note: Your attendance and completion of requirements at the Trolley Tour will be verified by Live Baltimore staff. Read these documents closely to make sure you meet eligibility requirements.

Apply: You may apply for the Buying Into Baltimore incentive through Baltimore City’s secure online application form beginning at 9 AM on October 3, 2022. You will fill out an application and upload all of your documents through Neighborly, Baltimore City’s incentive application portal. When applying, make sure to select the Buying Into Baltimore incentive checkbox.

Schedule: After applying, a Live Baltimore staff member will review your application and send you an email to schedule a one-on-one Zoom video appointment for application verification.

Attend: Attend your scheduled verification appointment. It will take less than 30 minutes.

Watch: Watch the lottery on Live Baltimore’s Facebook Live at 3 PM on October 14 to find out if you are a winner!

If you have any questions or issues during this process, please email lottery@livebaltimore.com or call (410) 637-3750 ext. 118.

Incentive Application Checklist

The following items are required for your application for the $5,000 Buying Into Baltimore incentive lottery. All items must be submitted to Live Baltimore virtually between Monday, October 3 and Friday, October 14 (Monday-Friday). The application process, which includes a virtual appointment, must be completed by 12 PM (noon) on October 14, 2022.

ATTENDANCE VERIFICATION: You must attend the Trolley Tour between 8:30 AM and 1 PM on October 1, 2022. Present a valid event ticket with your application to qualify.

HOMEOWNERSHIP COUNSELING CERTIFICATE: This certificate is awarded by a Baltimore City-approved counseling agency after the buyer successfully completes both the class component and the one-on-one component of the counseling process. Each person listed as a buyer on the sales contract/mortgage documents must have their name on a counseling certificate. The certificate(s) for both components must be dated BEFORE the date of offer. Homeownership counseling certificates are temporarily valid for 18 months from the date of completion.

PROOF OF BUYER’S $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 October 1, 2022. Settlement must be by January 12, 2023.

TO APPLY VISIT: LiveBaltimore.com/lottery

Live Baltimore lottery@LiveBaltimore.com (410) 637-3750 x118

The next trolley tour is January 28, 2023

homebuying

OCTOBER 19 – The Healthy Neighborhoods Program

OCTOBER 26 – The Black Women Build Program

NOVEMBER 2 – Understanding Your Purchase Agreement

NOVEMBER 9 – Should I Rent or Should I Buy

DECEMBER 7 – The Habitat for Humanity Program

DECEMBER 14 – Choosing the Right Mortgage for You Register at www.LiveBaltimore.com/events

OCTOBER 20 – Conversations with Kim

NOVEMBER 17 – Financial Aid for Private Schools

DECEMBER 15 – Conversations with Kim