Homebuyer Assistance Programs

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The following are down payment/closing cost assistance programs available through County Housing.
(Last updated 10-12-10)

The HOME Initiatives Program provides down payment/closing cost assistance loans to income eligible homebuyers. New! A Green Homes Challenge initiative will help new homebuyers keep home ownership and utility bills affordable. The Fact Sheet has information about the Round 25 funded program.
Download the application.

New! The lender must submit the application for the applicant/homebuyer. No brokers allowed.

The Community Partners Incentive Program is a match program that must be used with a MD Mortgage Program/CDA mortgage loan and may be used with the HOME Initiatives Program. A CDA lender must be used. The maximum State match is $2,500. Read details on the Fact Sheet. Download the application.

The Homebuyer Programs chart gives a summary of all County programs plus other loan programs, including mortgage, that may assist low to moderate income homebuyers.

Contact

Margie Lance

520 N Market St.
Frederick, MD 21701

(301) 600-6647
Fax:  (301) 600-3585

e-mail

Hours

8:00 am – 4:00 pm Monday – Friday

Income Limits Table

For homebuyer education training contact the Frederick Community Action Agency at 301-600-2077 or 301-600-3966.

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This holiday season, Signature Settlements would like to assist our fellow citizens of Frederick County that are in need of a little help. On behalf of the Frederick Rescue Mission, our office will be collecting “Bags of Care”. You can help others in need by dropping off a bag that consists of every day items that people need, but unfortunately do not have. Some items might include:

*toilet paper
*deodorant
*toothpaste
*shampoo/conditioner
*plastic eating utensils
*paper plates
*napkins
*toothbrush
*soap

The items above are suggestions but please feel free to add anything you would like to your Bag Of Care. You can drop it off at our office location at 188 Thomas Johnson Drive, Suite 201, Frederick, MD 21701 or directly at the Frederick Rescue Mission site. Use your imagination and your heart to make the holiday season a little brighter for someone in need.

Signature Settlements, LLC is proud to join forces with Treats 4 Our Troops! We will be collecting candy, cards, letters and magazines for our U.S. Military Personnel. There will be a collection bin in our front lobby so stop by, drop off, and help to brighten a soldier’s day!

Description:

Headquartered in Arlington, Virginia, Treats 4 Our Troops is a grassroots organization, which was founded by Yael Roggen in 2007 to collect and distribute surplus Halloween candy to our nation’s deployed troops. The annual candy collection kicks off the first week in November with “Operation Trick-or-Treating 4 Our Troops”. In 2009 candy was collected on the national level. Treats 4 Our Troops, which recently filed for 501c3 status, operates and is funded by donations collected during the annual post-Halloween candy collection.

Mission Statement:

Treats 4 Our Troops joins forces with the community in the Washington, DC metropolitan area to collect surplus Halloween candy, cards & letters and recycled magazines for U.S. troops. These gifts are sent to U.S. Military personnel who are currently deployed. Gifts are also delivered to “Wounded Warriors” who are recovering at Walter Reed Army Medical Center and their families throughout the year.

NO TRICKS: ARLINGTON MOM COLLECTS TREATS FOR TROOPS

The first week in November, Yael Roggen’s Arlington living room resembles a candy store. Bags and bags of Kit Kats, M&Ms, lollipops, bubble gum, Skittles, Hershey’s, Reese’s and Tootsie Rolls cover the couch and end tables. It’s not just that her four children are ardent trick-or-treaters. Most of the candy shows up on Roggen’s doorstep AFTER Halloween, when friends, neighbors and even strangers drop off their leftover, surplus candy. Roggen boxes it up and sends it to the troops as part of a program she’s named Treats 4 Our Troops.
Roggen began the program three years ago when one of her friends was a soldier serving in Iraq. Roggen was able to support him by keeping in touch and sending care packages to his unit, but she wanted to do more. She started by helping soldiers and veterans closer to home, visiting with them and their families at Walter Reed Army Medical Center. In 2007, she began collecting candy for soldiers, both here and overseas.
” I looked at all the extra candy after Halloween and thought it would be a great way to thank our deployed troops and their families who sacrifice so much,” she said.
The first year it was just a few bags of candy. Last year, as friends told friends, she collected 300 pounds of candy that she sent directly to deployed troops and to injured servicemen and women and their families at Walter Reed.
This year, as more friends tell more friends, she is set to collect even more treats, with word-of-mouth spreading to businesses, synagogues, churches and scouting troops. Even her chiropractor is putting together a care package.
Roggen, who was an event planner before she had kids, plans to turn Treats 4 Our Troops into a non-profit organization in the years ahead. For now, it’s a grass-roots project she runs out of her home with the help of friends and neighbors, who provide drop-off points and help with the boxing and mailing of the treats. She collects donations for shipping (It’s $10.95 to ship an APO/FPO “care package” box and she financed most of the shipping herself last year — something she’s not sure she can afford to do again). She collects packing tape. She collects names of people who have friends or family who are deployed, so she can get the treats to their units. Mostly, she collects candy.
The troops appreciate it. “Opening a box full of Halloween candy put a smile on our faces all the way in Afghanistan,” says one note she got from a sergeant in Kalagush.
“Working such long hours with such hard working Marines, it was nice to feel appreciated and get the treats from the local community,” wrote a Lance Corporal in Camp LeJeune, N.C.
“I know it’s just candy to most of us, but such a small gesture goes a long way, especially for people who are so far from home.”
But it brings a little sweetness — 300 pounds of it, and counting — to people who could really use it.

If you’d like to contact Yael Roggen to discuss Treats 4 Our Troops, call 703-258-9649.

If your readers would be interested in contacting Roggen for more information or to volunteer or sponsor a candy box, you can provide the following e-mail address treats4ourtroops@gmail.com. There is also a facebook page at Treats 4 Our Troops