A complete list of application items is listed below. Application packages can be mailed or delivered by hand to the Baltimore City Department of Housing and Community Development. A PDF of any or all materials may be submitted via email. However, you are responsible for providing a printed version of the contract of sale for Baltimore City’s files.

All of the items below should be submitted as soon as possible.

• Baltimore City Live Near Your Work application
  Return the completed LNYW application. Applications must be executed by the employer and employee.
• Homeownership counseling certificate
  Homeownership counseling certificates must be dated prior to the date you sign your contract of sale. There are no exceptions to this policy. A list of Baltimore City Approved Homeownership Counseling Agencies is available.
• Proof of $1,000 employee investment
  Proof may be presented in the form of canceled checks and/or paid receipts evidencing one or a combination of the following: deposit on the contract of sale, property appraisal, home inspection fees, hazard insurance policy.
• Contract of sale executed by both parties
  Please note that a full, printed version of the contract of sale must be mailed or delivered to the Baltimore City Office of Homeownership prior to issuing a LNYW commitment letter. A PDF version is accepted in the interim of final approval.

All of the items below must be submitted no less than 25 working days before settlement.

• Signed mortgage loan application (1003): From your mortgage lender.
• Loan estimate: From your mortgage lender.
• Final mortgage loan commitment letter: Must be executed by the borrower and the lender.