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    Archived pages: 19 . Archive date: 2013-08.

  • Title: Hagerstown Home Store
    Descriptive info: .. News Items.. Need to Refinance? Facing Foreclosure?.. PLEASE DO NOT WAIT FOR MEDIATION TO SAVE YOUR HOME.. Call the Home Store as soon as you see trouble coming with your mortgage.. Maryland s Foreclosure Mediation Law.. If you re facing foreclosure and.. your lender has declined to work with you.. , mediation could be an option.. The opportunity for mediation occurs late in the foreclosure process and does not guarantee you will avoid foreclosure.. Click here to learn more about Mediation.. -.. BEWARE of Mortgage Foreclosure Fraud and Foreclosure Rescue Scams.. If you think you are a victim of a rescue scam call.. 1-888-784-0136.. Spanish speaking homeowners can also call.. 410-230-6365 or 410-767-0392.. Click here to read more.. FORECLOSURE?.. The Hagerstown Home Store is a HUD-approved housing counseling agency.. Contact us for free help understanding your mortgage options and negotiating with your lender.. _.. Learn about the Federal program created to help millions of homeowners refinance or modify their mortgages.. Call the Home Store for an appointment.. Click here to see if you qualify for help.. You Can Be a HomeOwner Workshops.. Directions.. Click here for MapQuest.. com.. Click here.. for more information and to  ...   East Franklin Street, after McDonald s and KFC.. Continue through the next 3 lights, crossing Cannon, Mulberry and Locust Streets.. Stay left.. The Hagerstown Home Store is on the left side, ground level, with prominently displayed signs.. Turn left at mid-block into the Central Parking Lot, just before our building.. Or, continue on Franklin Street, turn left on Potomac Street at City Hall, and park in the public garage on the right side of the street.. From I-81.. :.. Take Exit 6 toward Hagerstown.. Follow Route 40 (now West Washington Street) approximately 2 miles to Downtown.. Cross Potomac Street.. At mid-block, turn left into the Central Parking Lot and park.. Walk through the lot onto Franklin Street; turn left.. Hagerstown Home Store is immediately on the left.. Address.. 21 East Franklin Street, Hagerstown, MD, 21740.. Hagerstown Home Store is a program of Hagerstown Neighborhood Development Partnership, Inc.. , a 501 (c) (3) nonprofit organization.. 21 East Franklin Street.. Hagerstown, MD 21740.. PHONE: (301) 797-0900.. homestore@hagerstownmd.. org.. Workshops.. Counseling.. Financing Incentives.. Listings Information.. Publications Guides.. Featured Incentive.. Hagerstown Neighborhoods.. Landlord Workshops.. Fair Housing.. Housing Reference Sheet.. Security Deposits.. Other Helpful Websites.. About Us.. News Information.. Contact Us.. Home..

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  • Title: Hagerstown Home Store
    Descriptive info: You Can be a Homeowner Workshops.. Register Online Here.. The first step on your journey toward homeownership should be our free You Can Be a Homeowner workshop.. Choose a class from the schedule below.. Each 3-hour workshop outlines the steps to take to help you prepare for the homebuying process.. Through a video presentation and volunteers from the real estate, lending, and home inspection industries, you will understand:.. How to determine whether you're ready  ...   investment through proper budgeting and maintenance.. How to work with a Realtor and a mortgage lender.. Where.. Workshops are held at our classroom and office at:.. 21 East Franklin Street, Hagerstown.. There is plenty of parking in the City Municipal lot that can be accessed from.. East Franklin, East Washington, and South Locust Streets.. The Next Step.. After the workshop, be sure to sign up for a one-one-one session with a.. Housing Counselor.. org..

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  • Title: Hagerstown Home Store
    Descriptive info: Housing Counseling.. After you've attended one of our.. You Can Be a Homeowner workshops.. , be sure to schedule an appointment to meet with our housing advisor.. In this confidential, personalized one-on-one session, you will:.. Review your credit report and identify any issues to correct before you apply for your mortgage loan.. Determine the price range of homes that best fit your budget.. Create a household budget that helps you save for your future home and the expenses of homeownership.. Learn about the many programs that are available to help you buy your home.. Get the most out of your follow-up appointment by bringing as much of the following information as you can:.. Photo ID.. Tax Returns and W-2's from the last two years.. One month paystubs.. Bank statement.. Credit card statements.. Monthly expenses.. A recent Credit Report (We can pull one for a fee, or you can get a free credit report by calling 877-322-8228, or go to.. www.. annualcreditreport.. ).. Click here for a.. checklist..  ...   may run into financial difficulties that cause you to fall behind on your mortgage payments.. Our Housing Advisor can help you communicate with your lender, assess the options available to you, and create a plan to get you back on track and avoid foreclosure.. Fees.. Buying a home in Washington County? Our services are free.. However, for those who meet one-on-one with our Housing Advisor, there is a one-time credit report fee.. (See below.. ).. Buying a home in a county other than Washington? Attend our workshop at no cost, but there is a $50 fee to meet one-on-one with our Housing Advisor, and an additional cost for a credit report ($15 for an individual, $23 for a couple, as of February 2013, subject to change).. We are a private nonprofit agency dedicated to helping you become a homeowner.. We are not affiliated with any for-profit company, so our information is completely objective.. We're not trying to sell you anything.. 21 East.. Franklin.. Street.. Hagerstown.. , MD 21740..

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  • Title: Hagerstown Home Store
    Descriptive info: These are just some of the special loan products available locally.. Loan limits, income limits, terms and interest rates vary and are subject to change at any time.. MMP -.. Maryland.. Mortgage Program.. Below market interest rate (rate subject to change call us for an update).. Term: Options available.. Points: Negotiable between buyer and seller, collected at settlement.. No down payment required.. Closing cost assistance available through.. State s DSELP program.. Gift funds for closing costs acceptable; Grants available.. Must be a first-time homebuyer or not owned a home in the last 3 years, or purchasing a home in a target area (Example: City of Hagerstown).. Applicants must file a tax return.. Homebuyer education required.. (available free of charge to buyers in.. Washington.. County.. at the Hagerstown Home Store).. Home inspection required.. Income limits for.. City of Hagerstown:.. 1-2 person household: $102,840.. 3 or more person household: $119,980.. 1-2 person household: $85,700.. 3 or more person household: $98,555.. Call 301-797-0900 for more information, including a list of local lenders.. DSELP - Downpayment and Settlement Expense Loan Program.. *.. * Subject to availability.. Available to borrowers using the Maryland Mortgage Program.. Maximum Loan Amount: $5000.. Interest Rate: 0%.. Repayment is deferred and is due upon sale or transfer of the property, or upon pre-payment of the first mortgage.. Borrowers must contribute 1% of the home's purchase price from their own funds.. DSELP is recorded in second lien position.. Additional funds available depending upon purchase price of house and other factors.. Please contact the Hagerstown Home Store to determine the funds available to you for your particular situation.. City of.. Hagerstown.. City Center Residency Initiative.. Incentive for those wishing to purchase in targeted downtown neighborhoods.. This program provides up to  ...   Home Store.. $500 minimum down payment.. Income Limits.. (May 2011).. 1 person: $40,150.. 2 persons: $45,850.. 3 persons: $51,600.. 4 persons: $57,300.. 5 persons: $61,900.. 6 persons: $66,500.. 7 persons: $71,100.. 8 persons: $75,650.. Maryland Home Financing Program - Homeownership for Individuals with Disabilities.. Eligible Borrower(s): At least one borrower must be disabled (A disabled borrower will be required to provide a Certificate of Disability ).. Homebuyer education required and provided at no cost through the Hagerstown Home Store.. Interest rate 3-5% (subject to change).. Maximum income $81,700.. Maximum purchase price of $300,000.. Term: 40 years.. Minimum cash contribution of $500 (entire amount can be gifted).. Mortgage Insurance/Guarantee not required.. VA - Guarantee.. Fixed rate, fixed rate buydown, or adjustable rates.. No income limit.. Small down payment.. Liberal qualifying ratios.. Loan limits up to $417,000 depending on veteran's eligibility.. FHA - Insured.. No income limits.. Loan limits in Washington County.. 1 unit: $271,050.. 2 units: $347,000.. 3 units: $419,425.. 4 units: $521,250.. USDA Rural Housing Direct Loans.. Loans are for up to 33 years (or 38 years, in special circumstances).. Applicants can obtain 100% financing.. Directly funded by the Federal Government.. Loans may include closing and settlement costs.. Eligible homes: Must be located in rural areas, as defined by USDA.. Annual household income cannot exceed moderate income level established for the area.. Mortgage payments based on the household's adjusted income.. Other Financing and Housing Programs.. Habitat for Humanity.. Interfaith Housing of.. Western Maryland.. Community Action Council.. This list includes only a few of the many mortgage programs that are available.. Other programs that meet your needs may be available through local mortgage lenders.. Programs listed are subject to change without notice and may not include all borrower requirements..

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  • Title: Hagerstown Home Store
    Descriptive info: has it all.. for a fraction of the cost of the metro area.. Come see our beautiful homes and desirable historic neighborhoods, downtown arts entertainment district, diverse recreational opportunities, regional antique and outlet shopping centers, and small town charm.. Some of the following informational links are in.. PDF Format.. and you will need Adobe Acrobat Reader.. to read these files.. Click here for free download for the Adobe Acrobat Reader.. Current Listings.. For homes currently listed for sale, visit.. realtor.. and choose Find a Home by zip.. Enter our zip code: 21740.. How to Choose a Realtor.. As a buyer, it is important to choose a real estate agent who is right for you.. Your agent  ...   is beneficial to interview several agents before making your choice.. This fact sheet.. includes questions that will help you with your decision.. For a current list of local Realtors, contact us at.. info@hagerstownhomestore.. Mortgage Application Checklist.. pdf file.. For a current list of local lenders and the programs they offer, contact us.. Home Inspections.. For a current list of home inspectors, contact us at.. And here's more information on choosing a home inspector and the important role an inspection plays in selecting a home:.. For Your Protection, Get a Home Inspection.. and.. Ten Important Questions to ask a Home Inspector.. Homeowers Insurance Tips.. A helpful fact sheet to help you think about homeowners insurance.. Home Store..

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  • Title: Hagerstown Home Store
    Descriptive info: The Hagerstown Home Store has lots of helpful information including the publications listed below.. All may be ordered using the order form.. (PDF File).. Hagerstown Home Store Brochure and Workshop Schedule.. Describes the services offered by the Hagerstown Home Store and provides dates and times for upcoming You Can Be a Homeowner workshops.. Hagerstown Neighborhood Development Partnership offers a number of helpful publications most of which may be viewed or downloaded from this site.. Printed copies and packets of information may also be ordered using the..  ...   us at 301-797-0900 or send an email to.. Click on the title of the following publications.. The downloadable files are in.. pdf (portable document format), which can be read and printed on all platforms with the free Adobe Acrobat Reader program.. If you do not have a copy of Reader, it can be downloaded free of charge from Adobe by.. clicking here.. Federally Assisted Housing Directory Resource Guide.. Washington County Tenant-Landlord Handbook.. Security Deposit Brochure.. Guide to Fair Housing Brochure.. Becoming a Landlord - Fannie Mae Publication..

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  • Title: Hagerstown Home Store
    Descriptive info: Featured Incentives.. Down Payment Assistance: Community Partner Incentive Program (CPIP).. We thank the City of Hagerstown for funding the Home Store's downpayment assistance program.. Buying a home in Hagerstown just became easier with help from the Hagerstown Home Store.. Our HUD-certified housing counseling agency joined forces with the State of Maryland through a unique initiative called the Community Partners Incentive Program.. Now, home buyers in the City of Hagerstown can receive up to $6000 for down-payment and closing cost assistance.. That s in addition to Maryland s below-market mortgage rates,  ...   Store at 301-797-0900 for more information, because buyers must complete our housing counseling program before placing a contract on a home.. Income limits apply.. Click here for CPIP info.. West End Homebuyer s Program.. Buy a foreclosed or vacant home on a targeted street within Hagerstown s West End and receive up to $20,000 in down-payment assistance.. Buyers must use the Maryland Mortgage Program.. Combine the West End Homebuyer s Program with other eligible incentives for even more help in purchasing a home.. Click here for West End Homebuyer info..

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  • Title: Hagerstown Home Store
    Descriptive info: The Neighborhoods of.. Downtown Historic District.. Potomac-Broadway.. Carroll Heights.. Jonathan Street.. Fairgrounds.. West End.. Pangborn.. City Park and South End.. Oak Hill.. Locust Point.. Wilson.. Downtown Historic District.. The Downtown Historic District in the City's center features a showcase of late nineteenth and early twentieth century residential and commercial buildings.. The downtown area is home to.. City.. governments, the.. Maryland Theatre.. , the.. Washington County Public Library.. University System of Maryland at Hagerstown.. , as well as specialty shops, offices, and restaurants.. The.. Barbara Ingram School for the Arts.. , a public high school in renovated historic theater, offers specialized programs for students, grades 9-12, including instrumental music, vocal music, theater, dance, visual and literary arts.. Housing in this area is predominantly row house style, with a variety of other townhouses and apartments.. The two main streets, Washington and Franklin, have been enhanced with brick-lined intersections, trees, garden beds, and expanded parking facilities.. Potomac Street features widened sidewalks and outdoor dining.. Numerous historic churches serve downtown, and.. St.. Mary's.. parochial elementary school lies within Downtown.. Potomac-Broadway.. Moving east from downtown, the Potomac-Broadway neighborhood offers a variety of large houses sitting on spacious lots.. The area contains a number of middle-size and large nineteenth century homes with historic significance, as well as more modest houses and duplexes, attractive apartments, and urban townhomes.. Jonathan Street.. Just to the north lies the.. neighborhood.. Comprised mostly of smaller mixed-type homes, this tightly knit community includes nine churches, a playground,.. Wheaton.. Park.. , and a community center.. Fairgrounds.. The Fairgrounds neighborhood contains compact, mature homes, including a smaller area of well-maintained historic row houses.. Do-it-yourselfers will love the historic homes' potential to be converted into large single-family dwellings.. The City of.. 's 68-acre.. Recreation.. lies within this neighborhood and is currently being redeveloped as a multi-use recreational and community activity open space.. This past year, the.. City of Hagerstown.. resurrected its annual Fourth of July celebration with concerts and a fireworks display at the Park.. With an  ...   area with a thre-lake waterway and a full array of activity areas including playgrounds, ball fields, picnic areas, walking trails,.. two museums.. , and a band shell.. Locust Point.. The Locust Point neighborhood encompasses the area south of Downtown extending to.. Memorial Boulevard.. The area supports a combination of residentiual, commercial, and light industrial uses.. The residential area in the eastern portion contains modest single-family houses and is serviced by.. , which also provides open recreational space.. Wilson Boulevard.. Along the City's southern edge, the.. neighborhood offers a traditional residential setting of single-family homes.. Plentiful neighborhood shopping and two churches service this area.. West End.. The West End neighborhood offers a large residential area with older row homes and small-lot detahced homes, as well as mid-sized newer housing at its north end.. This vibrant neighborhood includes nine churches,.. Winter Street and Salem Avenue.. elementary schools,.. Western Heights Middle School,.. Marshall.. Education.. Center.. Neighborhoods in the West End enjoy access to Hellane and.. Rockwillow.. Parks.. , occupying 25 acres on either side of.. Salem Avenue.. , as well as two playgrounds.. Several major thoroughfares and public transportation provide good accessibility for residents.. Nearby neighborhood and regional shopping centers further enhance this area's appeal.. Carroll.. Heights.. , located at the City's north-west corner, is a neighborhood comprised largely of single-family residences and some newer townhouse developments.. East of Pennsylvania Avenue, the area includes.. North Hagerstown High School.. ,.. Northern Middle School.. , and.. Fountaindale Elementary School.. The community is also served by several churches and nearby shopping centers.. Recreation areas include.. Hamilton.. playground and.. Mills.. The Oak Hill neighborhood includes Oak Hill Historic District, approximately 8 blocks north of Downtown.. This highly stable neighborhood is virtually all residential and comprised of detached, moderate to very large single-family homes.. Overall, large lots with deep setbacks, open spaces, and curving tree-lined streets characterize this neighborhood.. Potomac Heights Elementary Schoo.. l,.. Maria Goretti Catholic High School.. , three churches, and the.. Longmeadow.. Shopping Center.. serve north end residences..

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  • Title: Hagerstown Home Store
    Descriptive info: Landlord Workshops.. Watch here for more details..

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  • Title: Hagerstown Home Store
    Descriptive info: Landlord Publications Guides.. Click on the title of the following publications and packets for a complete description and to download or order: The downloadable files are in.. Federally Assisted Housing Directory and Resource Guide.. Landlord Information Packets.. Guide to Local, State and Federal Laws Governing Tenant-Landlord Relations.. In an effort to help Marylanders easily find rental housing  ...   (DHCD) has launched an online listing of rental housing units available Statewide.. The new web site,.. MDHousingSearch.. , allows property owners to advertise their available rental housing units, including market rate rentals and affordable units.. Prospective renters can then use the web site to search the up-to-date listings based on criteria including cost, neighborhood, or personal needs..

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  • Title: Hagerstown Home Store
    Descriptive info: The Fair Housing Amendments Act of 1988 prohibits discrimination in housing based on:.. Race or Color Religion Sex Handicap Familial Status National Origin.. WHAT HOUSING IS COVERED?.. The Fair Housing Act covers most housing.. Under some circumstances, the Act exempts owner-occupied buildings with no more than four units, single family housing sold or rented without the use of a broker, and housing operated by organizations and private clubs that limit occupancy to members.. WHAT IS PROHIBITED?.. In the sale, rental or financing of housing, no one may take any of the following actions based on race, color, sex, handicap, familial status, or national origin of the person seeking housing:.. Refuse to rent or sell available housing.. Advertise or make any statement that indicates a limitation or preference based on race, color, religion, sex, handicap, familial status, or national origin.. This prohibition against discriminatory advertising applies to single family and owner-occupied housing that is otherwise exempt from the Fair Housing Act.. Falsely state that housing is not available for inspection, sale, or rental.. Set different terms, conditions, or privileges for sale or rental of a dwelling.. Provide different housing services or facilities.. For profit, persuade owners to sell or rent (Blockbusting).. Deny anyone access to or membership in a facility or service related to the sale or rental of housing.. AGE OR FAMILIAL STATUS.. Unless a building or community qualifies as housing for older persons, it may  ...   dwelling or common use areas, at the tenant's expense, if necessary for the handicapped person to use the housing.. Refuse to make reasonable accommodations in rules, policies, practices, or services, if necessary, for the handicapped person to use the housing.. Example: A building with a no pets policy, must allow a visually impaired tenant to keep a guide dog.. Example: A rental complex that offers ample, unassigned parking must honor a request from a mobility impaired tenant for a reserved parking space near the tenant's apartment.. FAIR HOUSING DO'S AND DON'TS.. Do Not.. Ask illegal questions about an applicant's marital status or their religious practices.. Advertise indicating a preference for a specific age, religion, race, etc.. Set different fees, charges or security deposit amounts for different tenants in comparable units.. Steer applicants to other landlords or neighborhoods.. Do.. Treat each applicant equally.. Be consistent in the information you request and the application approval process.. Use a printed application form to ask for financial information, names, and ages of household members, previous rental references, or credit references.. Document contacts with applicants and tenants in writing.. Keep a written copy of your policies and procedures on applications and occupancy.. Educate and train people working for you about Fair Housing laws and practices.. Display the Equal Housing Opportunity logo in advertising and in your place of business.. The complete guide may be.. ordered.. or.. downloaded to view.. and print..

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    Archived pages: 19