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Veterans and Military Family Mortgage Program - Maryland
PURPOSE: To help current and former military homebuyers to purchase a home by offering a lower-
than-market interest rate and additional downpayment and closing cost assistance.
DURATION: Starting 7/3/2012, the program will continue until 6/30/2013 or until the $50 million of allocated program funds have been committed.
DOWNPAYMENT AND CLOSING COST ASSISTANCE:
$10,000 of assistance from the CDA Downpayment and Settlement Expense Loan Program (DSELP). This can be combined with funds from applicable CDA Partner Match programs and assistance from local jurisdictions.
LOCATION: Anywhere in the State of Maryland.
o In Non-Targeted Areas:
The interest rate will be one-half of a percent (.50%) below the prevailing Maryland Mortgage Program (MMP) non-targeted interest rate. Rates are updated daily on the MMP website at http://www.mmprogram.org/rates.aspx.
o In Targeted Areas:
The interest rate will be 2.875% (APR 3.675%) until the $30M Targeted Areas Initiative funds are expended; after that it will be a half of a percent (.50%) below the prevailing MMP rate.
ELIGIBLE MD HOMEFRONT BORROWERS:
o The program is open to active duty military (including Reserves and National Guard) or honorably discharged veterans. Active duty status will be documented by submission of a current Leave and Earnings Statement (LES) and confirmed through the Department of Defense Manpower Data Center site (https://www.dmdc.osd.mil/appj/scra/scraHome.do). Veteran status will be confirmed by submission of a Certificate of Release or Discharge From Active Duty form (DD-214). Qualification for a VA loan is not required.
o Must qualify for a CDA loan according to the Maryland Mortgage Program (MMP) requirements, i.e. credit score, income limitations, etc. All borrowers must take approved homebuyer education and utilize an approved lender. For more information on general MMP requirements, click on MMP or browse the MMP website at www.mmprogram.org.
FIRST TIME HOMEBUYER REQUIREMENT:
While CDA loans generally are limited to first-time homebuyers, the requirement is waived if:
o Borrower is purchasing in a targeted area;
o It has been more than three years since borrower has owned a principal residence; or
o Borrower is an honorably discharged veteran who has not previously used the exemption. This is in accordance with the Heroes Earnings Assistance and Relief Tax Act of 2008, as amended. A DD-214 form must be submitted to document veteran status, and a Veteran First Time Homebuyer Exemption form (Attachment V) must be completed.
This blog was provided by the Maryland Association of REALTORS.
Jethro Tull Coreopsis, Kentlands, Spring Flowers IMG_0925
Photograph by Roy Kelley using a Canon PowerShot G11 camera.
Roy Kelley advises home buyers, sellers and REO asset managers, in the Maryland suburbs of Washington DC and nearby counties. REO and foreclosures sales. Market area includes Montgomery County, Frederick County, Washington County and Prince George's County.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.