Maryland First Time Home Buyer Programs                                                                                                  

1. FHA for excellent Maryland First Time Home Buyer Programs – Often the best choice in first time home buyer programs.
2. Aggressive Home Loan - FHA clone but allows 3% down payment to $417,000
3. Neighborhood Advantage for Maryland First Time Home Buyers Programs  – 100% Financing. Requires good credit and has some income restrictions but great flexibility. 
4. No down payment loan - First time home buyer program allows 100% financing.
5. Nehemiah Foundation Program – No down payment program. Standard FHA underwriting guidelines.
6. Nehemiah Conventional Program - Higher loan limits. 102% financing 1% down payment. 
7. VA –100% to $240,000 including VA Funding Fee. 
8. 80/20 –No money down combination program. 
9. CreditFlex 97 – 97% LTV requires 1% cash. Remaining funds may be gift/loan with closing costs financed. 
10. Purchase Power Loan – 97% LTV to $417,000. Down payment from any source. 
11. Homebuyer's 107% LTV - 107% LTV. Purchase or refinance and finance the sales price, closing costs, and reduce your consumer debt all in one loan
12. 103% LTV Program 30 year fixed rate or 7 year ARM program finances sales price and closing costs.
13. No Documentation Loan - 100% LTV. Allows borrower with difficult to verify income or employment to avoid documentation hassles. 
14. Combination financing - to 95% combined LTV. Referred to as 80/15/5 or 80/10/10.
15. Teacher-Flex - Special program for teachers and school employees

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