First Time HomeBuyer

 Chesapeake Bank AHP Program/FHLB Grant

Community Partners Product Employees are eligible for $7500 in these fields:



*Health Care Workers

*Law Enforcement Officers

Qualified  first  time home buyers may be eligible for a grant up to $5000 through Chesapeake Bank of Maryland. The grant may be used for down payment, closing and counseling costs on a owner-occupied property. Typically low and moderate income first time homebuyers are eligible for the grant.  Homebuyers must complete a housing counseling program approved by the Federal Home Loan Bank (FHLB) and contribute a minimum of $1000 of their own funds. An applicant income must be at or below 80% of the median income for their residential region. If you own and reside in the property for the first five years , the loan is forgivable, meaning you do not have to pay it back. You must sign a five year retention recapture agreement.  If you sell the home within the five years of receiving the grant, you must repay a portion of the grant.  Chesapeake Bank of Maryland, a FHLB, can administer the entire application process.

Home Ownership Vouchers and FHA home loan mortgage

FHA home loan and conventional home mortgage or  a voucher you must apply for a Housing Choice Voucher and meet the eligibility requirements at the Public Housing Agency ( PHA) where you are applying.

You can either wait until the waiting list opens up again, or you can apply in another jurisdiction where the waiting list is open. However, many PHA's give a preference to residents of the community over non-residents, and you may be required to reside in the jurisdiction of that PHA for at least one year. You should ask the PHA in the area where you are applying about their residency preferences.

Baltimore Community Development Block Grant (CDBG) First Time Homebuying Incentives Program

First-time homebuyers must obtain a counseling certificate from a City Approved Counseling Agency.


Upon receiving a homeowner counseling certificate, the borrower can contact the NAVA real estate agent.  to assist residence on the available  of all financial options,

203(k) benefits for home buyers and homeowners

  • Limited vs.standard 203(k) mortgage

  • The rules on 203(k) loans

  • Qualifying for a 203(k)

Shelia Hilton, Coldwell Banker Residential Brokerage, at 410-218-7903 or 410-235-4100 will  assist any person or family having a interest to purchase  a  NAVA  properties. or any property .


To complete the CDBG program application, the borrower must return the executed contract back to the counseling agency.

The property must undergo Housing Quality Standards (HQS) inspection by a certified lead abatement inspector.

-          Initial/Move-in Inspections are normally completed prior to approval of a leasing agreement. The HQS inspection report captures the condition of a unit prior to a tenant/homebuyer moving in.

Additionally, if the homebuyer qualifies for other mortgage incentive programs, he/she  can stack these incentives to pay all of his/her closing cost expenses and may have enough residual to reduce their mortgage principal.


We have witnessed homebuyers stacking more than $20,000 in incentive funds.

Home ownership Education and Housing Counseling

Fannie Mae believes that high-quality home ownership education provides borrowers with the information and resources they need to navigate the home-buying process and make informed decisions that support sustainable home ownership.

We at NAVA recommend our buyers to educate themselves first before buying their first home.

At NAVA, we help our clients improve their credit reports before they buy their first home.

​The credit repair industry helps consumers and businesses improve their credit scores so they can qualify for affordable financial services, such as loans and credit cards. Since credit histories often contain inaccurate information, clients may also use credit repair services to remove erroneous items that lower their credit scores.


Please click on the button below to check your credit score now.

Please reload


National Fund for the Awareness of Violence Against Women and Children (NAVA Fund)  is a Non-Profit 501(c)3 and 509(a)2 Public  Support  Organization

743 W. Cross Street, Balto. MD. 21230