×
Sign In Sign Up

Find Homeownership Incentives

Find Champion

Popular Incentives

Freddie Mac Home Possible Mortgage

Freddie Mac offers the Home Possible Mortgage Program to help home buyers with limited resources afford mortgages. The Home Possible program enables home buyers to buy a home with a down payment as low as 3.0% of the property purchase price and no minimum borrower financial contribution. The Home Possible program is similar to Fannie Mae’s Home Ready Mortgage Program.
Type of program
Tax Credit
Amount of assistance
$20,000.00

Ho​meAbility

HomeAbility, a new homeownership opportunity for people with disabilities and a lower income, offers a home value lien of 80 percent at a 5.25 percent interest rate and another, deferred lien of up to 25 percent and a zero percent interest rate for down payments and closing costs.
Type of program
Deferred Second Mortgage
Amount of assistance
$40,000.00

Divvy Homes

Divvy Homes lets people rent their dream home and then helps them save for a down payment so they can eventually buy the home. You do not have to stay in the house if you do not want to, you can walk away and cash out your savings.
Type of program
Lease to Own

BOOST/Alternate Credit Loan

BOOST/Alternate Credit Loan is a home purchase loan to assists Baltimore City or Baltimore County residents who do not have a traditional credit history in qualifying for a mortgage.
Type of program
Home Purchase Mortgage
Amount of assistance
$75.00

Maryland Mortgage Program Flex 4% Grant

Comes with a grant equal to 4% of the first mortgage. Grant does not get repaid.
Type of program
Deferred Second Mortgage
Amount of assistance
$12,000.00

Home Ownership Program (HOP)

HOP is financed with HOME funds provided through the U.S. Department of Housing and Urban Development (HUD) and is subject to the applicable federal regulations.
Type of program
Down Payment & Closing Costs

Maryland Homefront Mortgage

The Maryland Homefront Mortgage Program offers a reduced interest rate to active duty military and veterans
Type of program
Deferred Second Mortgage

Chenoa Fund DPA Edge Soft Second product for FHA loans

Chenoa Fund provides the down payment to assist you with a home purchase. There are no first-time borrower requirements.
Type of program
Down Payment & Closing Costs

Our Mission

We give prospective homebuyers the information and community they need to make better-informed decisions on homeownership; including down payment grants, loans, tax assessments, and more.

buying
Buying is Cheaper
than Renting
Buying is more affordable than renting in about 64%
of U.S. housing markets.
joy
Community advancement
is essential to us
We make sure that underserved members of
society feel supported and valued.
pressing
Our main driving force is to
create a space for learning
We educate people that have been rejected for pre-approval in the past or who fear being rejected.

Why SayLambda?

We know just how intimidating the market can be, and we understand your struggles and most profound concerns. That is why we are passionate and dedicated to being your mentor and guide throughout your journey
Find Counselors
The homebuying process can be complicated and stressful for first-time homebuyers; however, counselors can offer unbiased advice.
Learn More
Find Champions
Champion organizations are committed to promoting Black homeownership. We encourage you to contact them.
Learn More
Find Incentives
We thrive on incentives. We want to let you know all the available incentives. Additionally, we want to demystify the process.
Learn More

Resources to help you get a new home in today’s uncertain world.

We make homeownership affordable, and convert long term renters into homeowners
and make the complexities of homeownership incentives easy.

Urban Renewal

The term Urban Renewal refers to a municipal planning process, with racist origins, of clearing inner city areas that are classified as "blighted...

Read More
A Look at a Multigenerational, Black-Owned Business in D.C.

A Look at a Multigenerational, Black-Owned Business in D.C.   By Elaine Elrod   This is Part Two of a series of blog posts that sh...

Read More
A Model for Healthy Black Communities: The U Street Historic District in DC

By Elaine Elrod Today the Greater U Street Historic District in northwest Washington, D.C. is an upscale, mixed commercial and residential neighb...

Read More
Explaining the Neighborhood Homes Investment Act

Earlier this year, Senators Ben Cardin (D-MD) and Rob Portman (R-OH) re-introduced the Neighborhood Homes Investment Act to Congress.  This bill w...

Read More
Restoring Communities Left Behind

Early February saw Congresswoman Marcy Kaptur (D-OH) and Congresswoman Rashida Tlaib (D-MI) introduced the Restoring Communities Left Behind Act to th...

Read More
Author Keeanga-Yamahtta Taylor discusses racist real estate practices with NPR's Ailsa Chang.

In an interview with Ailsa Chang, writer Keeanga-Yamahtta Taylor explains racism in real estate. Despite housing discrimination becoming illegal, hist...

Read More