A complete list of application items is listed below. For the steps of the application process, please see preparing your application. 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.