the homebuying process

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.

step 2

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.

the Homebuying Process

step 3

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?

We’re here to help. Send us an email at info@livebaltimore.com or call (410) 637-3750 for one-on-one assistance.