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Popular Incentives


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

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

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

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

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

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

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

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

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 is Cheaper
than Renting
Buying is more affordable than renting in about 64%
of U.S. housing markets.
Community advancement
is essential to us
We make sure that underserved members of
society feel supported and valued.
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.
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Find Champions
Champion organizations are committed to promoting Black homeownership. We encourage you to contact them.
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Find Incentives
We thrive on incentives. We want to let you know all the available incentives. Additionally, we want to demystify the process.
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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 into homeowners
and make the complexities of homeownership incentives easy.