June is National Homeownership Month! A time to celebrate the value of homeownership and the opportunities it creates for families, neighborhoods, and communities. Originally established to raise awareness around the benefits of owning a home, National Homeownership Month highlights the importance of making homeownership more accessible and sustainable for everyone.
At Neighborhood Housing Services (NHS) of Baltimore, we believe homeownership is about more than owning property, it’s about stability, generational wealth, community pride, and creating a foundation for the future.
Whether you’re dreaming of buying your first home, improving the one you already own, or building financial confidence, NHS Baltimore is here to help you take the next step.
Your Path to Homeownership Starts with NHS Baltimore
Buying a home can feel overwhelming but you don’t have to navigate it alone. NHS Baltimore offers programs and services designed to guide you through every step of the process.
Homebuyer Education Workshops
Our HUD-approved Homebuyer Education Workshops help future homeowners understand the homebuying process, mortgage options, budgeting, credit, and available assistance programs.
Financial Coaching
Need help preparing financially before purchasing a home?
NHS provides personalized coaching to help you:
- Improve your financial readiness
- Understand your borrowing options
- Build a plan toward sustainable homeownership
1-on-1 Homeownership Counseling
After completing a HUD-certified Homebuyer Education Workshop, you can meet with an NHS Homeownership Advisor for personalized guidance from pre-approval to closing.
Your advisor will review your credit, savings, and financial readiness, then help you create a homeownership action plan. They can also connect you with preferred lenders, realtors, mortgage options, and Baltimore City down payment assistance programs.
NHS Mortgage & Down Payment Assistance
From affordable mortgage options to programs that help with upfront costs, NHS helps make homeownership more attainable.
Programs may include:
- Down payment assistance opportunities
- Affordable mortgage products
- Support for first-time and repeat homebuyers
Already a Homeowner? We Can Help You Stay One.
National Homeownership Month is also about preserving homeownership. NHS offers home repair programs designed to help Baltimore homeowners maintain safe, stable housing through repairs and improvements.
Whether you need essential repairs or larger rehabilitation support, we’re here to help protect the investment you’ve worked hard to build.
Real Stories. Real Impact.
Behind every home is a story and at NHS Baltimore, we’re proud to help residents turn challenges into new beginnings.
Home Again: Carol Jones’ Return to Stability
For more than three decades, Carol J. has been a proud Baltimore homeowner. For 31 years, her home represented stability, independence, and the memories built over a lifetime. But after a devastating house fire left the property uninhabitable, that sense of security...
A New Beginning: The Allen Family’s Journey Back Home
In June 2023, Arthur and Adriane Allen experienced a devastating house fire that severely damaged the Baltimore home they had owned for decades. Without homeowners insurance and with their savings exhausted, the road to recovery initially seemed uncertain. Today,...
From Renter to Homebuyer: A New Beginning Built on Determination and Support
In late 2024, Sombo H., a long-time Baltimore renter, reached a life-changing milestone: after years of uncertainty and rising rental costs, she became a first-time homeowner. Her story mirrors the journey of so many families across the city — hopeful, determined, and...
Why Homeownership Matters
Homeownership can create long-term benefits for families and communities, from housing stability to financial growth and stronger neighborhoods. National Homeownership Month reminds us that while the journey may look different for everyone, no one has to take it alone.
At NHS Baltimore, we’re committed to helping Baltimore residents move from possibility to ownership and stay there.
Ready to Take the Next Step?
Whether you’re preparing to buy your first home or looking for support maintaining your current one, NHS Baltimore is here to help.
Frequently Asked Questions (FAQs)
What is National Homeownership Month?
National Homeownership Month is observed every June to celebrate the benefits of homeownership and raise awareness about programs and resources that help individuals and families achieve and sustain homeownership.
How can I become a homeowner in Baltimore?
The first step toward homeownership is understanding your options and preparing financially. NHS Baltimore offers Homebuyer Education Workshops, one-on-one housing counseling, financial coaching, and mortgage support to help guide you through the process.
Do I have to be a first-time homebuyer to work with NHS Baltimore?
No. Some NHS programs and services are available to both first-time and repeat homebuyers. Eligibility may vary depending on the program.
What is a Homebuyer Education Workshop?
A Homebuyer Education Workshop is a HUD-approved course that helps future homeowners understand the homebuying process, mortgage options, budgeting, credit, closing costs, and available homeownership assistance programs.
Does NHS Baltimore offer down payment assistance?
NHS Baltimore works with programs that may provide down payment assistance for eligible homebuyers, helping reduce upfront costs associated with purchasing a home.
Can NHS Baltimore help me if I’m not financially ready to buy a home?
Yes. NHS offers financial coaching and one-on-one counseling to help you improve your financial readiness, build savings, understand credit, and create a plan for future homeownership.
What credit score do I need to buy a home?
Credit requirements vary depending on the loan product and financial situation. NHS counselors can help you understand your options and determine the best path toward homeownership.
I already own a home. Can NHS still help me?
Yes. NHS Baltimore offers home repair and preservation programs designed to help homeowners maintain safe, stable housing through repairs and rehabilitation assistance.
What types of home repairs does NHS Baltimore help with?
Depending on program eligibility, NHS may help with critical repairs, health and safety improvements, accessibility modifications, and larger rehabilitation projects.
How do I get started with NHS Baltimore?
Getting started is simple. You can sign up for a Homebuyer Education Workshop, schedule 1-on-1 counseling session, or explore available home repair programs through NHS Baltimore.
About NHS Baltimore
Neighborhood Housing Services of Baltimore (NHS Baltimore) is a community-based nonprofit with more than 50 years of experience supporting sustainable homeownership and housing stability for Baltimore City residents. Through HUD-certified homebuyer education, one-on-one counseling, locally tailored lending, and neighborhood reinvestment, NHS Baltimore provides trusted guidance rooted in real-world housing practice.