Attention Maryland First-Time Homebuyers!!! Montgomery County, Maryland has a great program for first-time Maryland homebuyers. This program is through the Montgomery County Housing Opportunities Commission (HOC) and mortgages can be obtained through this program for any property in Montgomery County MD, except cooperatives. Bank of America has some other great first-time homebuyer programs as well, including the Acorn Program. But if you meet the qualifications, the Montgomery County HOC Program has the best interest rate..... affording you GREATER buying power!!! The step interest rate for the HOC Program starts at 4.7%! You can even purchase a property jointly with someone in this Program, not necessarily a spouse! With 100% financing available and a low interest rate, you could take advantage of this tax-savings program. Because you will have a write-off with the IRS as a homeowner, you will be bringing more $$$ home in your paycheck. There is an additional program through the HOC Program that will even help you with the down payment!!! Also, as a first-time Maryland homebuyer, you can borrow against any retirement or 401K funds you may have, without any penalty. And, you will automatically get a break in taxes at settlement as a first-time Maryland homebuyer. To get information on a particular school district go to http://mcps.k12.md.us/schools/ and go under "Find a School" and then "School Locator" and then type in a property address. You can also get some more information at http://www.montgomerycountymd.gov/. Also, the link for the MetroRail System in Montgomery County, MD is: http://www.wmata.com/default.cfm. Have a great day! :-) Christine Christine Sherrod, Realtor Weichert Realtors 7821 Tuckerman Lane Potomac, MD 20854 (301)656-2500 x126 (301)908-8747 (cell) csherrod@mris.com (email) Equal Housing Opportunity