First-Time Buyers

Your First Maryland Home Starts With A Clear Plan

Understand financing, assistance programs, offer strategy, inspections, and closing before the process asks you to move quickly.

What Is The Maryland Mortgage Program?

The Maryland Mortgage Program may offer eligible buyers loan options, down payment assistance, and closing cost support through approved lenders. Rose helps you ask better questions and connect with trusted resources.

Down Payment Assistance

Some buyers may qualify for assistance that reduces upfront cash needs. Eligibility depends on income, property, loan type, and program rules.

Steps To Buying Your First Home

01

Consultation

02

Pre-Approval

03

Home Search

04

Showings

05

Offer

06

Closing

Common Buyer Mistakes

Touring before pre-approval
Ignoring closing costs
Waiting too long on strong homes
Skipping inspection context

First-Time Buyer FAQ

Do I need 20% down?

No. Many buyers use FHA, conventional low-down-payment options, or assistance programs.

Can Rose help me find lenders?

Yes. Rose can connect you with trusted mortgage professionals familiar with Maryland programs.

How long does buying take?

Many purchases close in 30 to 45 days after an accepted offer, depending on financing and contract terms.

Book A Buyer Consultation