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Adjusting for investor purchases, roughly one-third of the Baltimore region’s homebuyers are able to make all-cash purchases. And when you look at areas with limited inventory and higher home values, that percentage drops to as low as 12 percent. That means most Baltimore homebuyers, probably just like you and me, are taking out mortgages.

Long and Foster partners with one of the region’s premier home mortgage lenders, The Fiscella Team of Prosperity Home Mortgage, to help our clients purchase their homes.

I recently spoke with Nicole Fiscella, senior mortgage consultant, and Jennifer Lee, mortgage loan officer, of The Fiscella Team. Prosperity’s expertise extends from programs exclusive to Prosperity like Competitive Edge to federal, state, and local programs designed to help clients cross the threshold into home ownership. We focused on a popular state program, the Maryland Mortgage Program, and how it can help homebuyers overcome barriers to entry. We also discuss credit scores, interest rates, and why you should speak with a lender before you shop.

Host: John Husson

Guests:

Nicole Fiscella, Senior Mortgage Consultant, The Fiscella Team of Prosperity Home Mortgage

Jennifer Lee, Mortgage Loan Officer, The Fiscella Team of Prosperity Home Mortgage

To learn more about Prosperity programs:

https://www.phmloans.com/

To contact Nicole and Jenn:

fiscellateam@phmloans.com

443.745.8972

To contact the show host:

john.husson@longandfoster.com

410.979.1747

Homesweetmarylandhome.com

Long and Foster Lake Roland office

6080 Falls Rd. Suite 107

Baltimore, MD 21209

410.377.2270

Music: DelusionsofBanjer

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CONVERGENCE Baltimore is coming to town, and Neighborhood Housing Services of Baltimore is leading the charge. CONVERGENCE Baltimore brings together lenders, nonprofit organizations, housing professionals, government agencies, community organizations, and industry leaders to expand equitable access to homeownership throughout Baltimore.

In this episode, I talk with with Shadia Musa, NHS Director of Community Relations, and Veronica Tobin, NHS’s Homebuying Center Director, about how CONVERGENCE and other NHS programs expand access to homeownership, preserve housing stability, and strengthen Baltimore City neighborhoods. We also discuss NHS’s many programs including their Homebuyers Education Workshop, a must-have for first-time homebuyers. If you’re looking for your first home sweet Baltimore home, this episode’s a must-listen.

Host: John Husson

Guests:

Shadia Musa, Director of Community Relations, NHS of Baltimore/CONVERGENCE

Veronica Tobin, Homebuying Center Director, NHS of Baltimore/Homebuying Education Workshop

To learn more about all of NHS of Baltimore’s programs:

https://www.nhsbaltimore.org/

To learn about the CONVERGENCE program:

https://www.nhsbaltimore.org/convergence-baltimore/

To learn more about Homebuyers Education Workshops and to register:

https://www.nhsbaltimore.org/homebuyers-education-workshop/

To contact the show host:

john.husson@longandfoster.com

410.979.1747

https://homesweetmarylandhome.com

Long and Foster Lake Roland office

6080 Falls Rd. Suite 107

Baltimore, MD 21209

410.377.2270

Music: DelusionsofBanjer

Got something to say to this podcast? Send a voicemail, and you might hear yourself on the next episode!

If you know "I Heart City Life," you know Live Baltimore. In this episode I speak with Live Baltimore's executive director, Meghan McCorkell, about everything from the upcoming Trolley Tour on October 3, to the immensely successful Buy Back the Block program, to the astonishing array of programs designed to make you a Baltimore homeowner (including stackable incentives that could yield tens of thousands of dollars in down payment assistance). It’s pure Baltimore enthusiasm.

Host: John Husson

Guest: Meghan McCorkell, Executive Director, Live Baltimore

To learn more about all of Live Baltimore's programs:

livebaltimore.com

To register for the Trolley Tour on Oct. 3:

https://livebaltimore.com/events/

To learn more about Buy Back the Block:

https://livebaltimore.com/resident-resources/financial-incentives/buy-back-the-block/

To contact the show host:

john.husson@longandfoster.com

410.979.1747

Homesweetmarylandhome.com

Long and Foster Lake Roland office

6080 Falls Rd. Suite 107

Baltimore, MD 21209

410.377.2270

Music: DelusionsofBanjer