Eligibility:

The Community Loan Center of the Chesapeake offers employers in 5 Maryland counties the ability to offer their employees a way to overcome financial hardships. Learn more here.

• - Must work at a participating employer for at least 3 months
• - Must have a checking account
• - Must be eligible for employee benefits
• - Must have an ability to repay the loan

For more information contact Rena Somar at:

rsomar@nhsbaltimore.com or call 410-327-1200 (ext.116)

If you do not have enough equity in your house but need repairs, then this is the route for you.

Eligibility:

• - Must be employed continuously for 1 year
• - Must have direct deposit
• - Must reside in Baltimore City or County
• - Must have credit score of at least 620

For more information contact Rena Somar at:

rsomar@nhsbaltimore.com or call 410-327-1200 (ext.116)

With this mortgage loan product, you could install a new heat pump or insulate your attic and improve efficiency. You can choose your own contractor to complete the work and may close in as little as 30 days. Borrow up to $7,500 at a 5% interest rate payable for 5 years with monthly payments of $100.

Eligibility:

• - Must reside at or below 120% of the Area Median Income
• - Must reside in Baltimore City or County
• - Must have credit score of at least 620
• - Must have equity in the amount of the loan

For more information contact NHS at:

intake.rehab@nhsbaltimore.com

Eligibility:

With this loan you could borrow up to $30,000 at a 0% - 4% interest rate depending on the level of repairs needed on your house. Payments can be deferred until you sell your home depending on your ability to repay the loan. Use this loan to cover costly improvements such as new brickwork or repairs to water damage.

• - Must reside at or below 120% of the Area Median Income
• - Must reside in Baltimore City or County
• - Credit reviewed no score required
• - No medical collections over $1000
• - No judgements no liens

For more information contact NHS at:

intake.rehab@nhsbaltimore.com

BOOST loan is a home purchase loan that assists individuals without traditional credit history in qualifying for a mortgage.

Eligibility:

With this loan you could borrow up to $75,000 for the purchase of a primary single family residence. The borrower must:

• - Occupy the property as a primary residence and cannot own another property
• - Purchase the property in Baltimore City.
• - Obtain a Housing Counseling certificate from a HUD-Approved counseling agency and have obtained 8 hours of homebuyer education
• - Contribute 10% of purchase price; 3% must be borrower’s own funds. Other funds can be contribution, incentives, and gift.

For more information contact Rena Somar at:

rsomar@nhsbaltimore.com

The Tu Hogar program is a home purchase loan that assists individuals without traditional credit history in qualifying for a mortgage. For more information please visit our partners at Southeast CDC.