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Find Homeownership Incentives

Popular Incentives

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

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

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
Amount of assistance
$0.00

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
Amount of assistance
$0.00

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
Deferred Second Mortgage
Amount of assistance
$20,000.00

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

Freddie Mac HomeOne Loan

Freddie Mac HomeOne℠ loans is available to qualified first-time homebuyers for a low down payment of just 3%, the Freddie Mac HomeOne℠ mortgage is a low down payment option that serves the needs of many first-time homebuyers, along with no cash-out refinance borrowers.
Type of program
Deferred Second Mortgage
Amount of assistance
$45,000.00

USDA Section 502 Guaranteed Loan Program

The Section 502 Guaranteed Loan Program assists approved lenders in providing low- and moderate-income households the opportunity to own adequate, modest, decent, safe and sanitary dwellings as their primary residence in eligible rural areas. Eligible applicants may purchase, build, rehabilitate, improve or relocate a dwelling in an eligible rural area with 100% financing.
Type of program
Deferred Second Mortgage
Amount of assistance
$4,500.00

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 Lambda?

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
Taking the fear out of home buying
Taking the fear out of home buying (heading) By creating a supportive community to share quality information, advice, and personal stories.
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Diminishing the stigma of rejection
Our goal is to get you requalified much quicker than the typical timeline, and we think it's horrible that the rejected are often left abandoned. SayLambda is on your side.
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Increasing Black first-time homebuyers' rate over 20% annually
We recognize that first-time homebuyers may lack the trust and knowledge of the real estate industry based on inter-generational and historical redlining and predatory practices.
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Resources to help you get a new home in today’s uncertain world.

We make homeownership affordable, and convert long term renters in to homeowners and To make the complexities of homeownership incentives easy