Funding Amount

Varies

Deadline

Rolling / Open

Grant Type

foundation

Overview

Interest Rate Reduction (IRR) Grant

Funder: Healthy Neighborhoods Inc (HNI)

Geographic Scope: Baltimore City (select properties in Special Purchase Program)

Program Overview:
This grant is available for select properties under HNI's Special Purchase Program. The IRR Grant proceeds are used by HNI to buy mortgage discount points on behalf of the borrower in order to reduce the borrowing rate to 3.5%.

Loan Features:

  • Fixed interest rate: 3.5% (reduced from standard market rates via IRR Grant)

  • 30-year term

  • No private mortgage insurance (PMI) required

  • Minimum 3% down payment

  • Applies to already-renovated, move-in ready homes from approved developers
  • Eligible Properties:
    Formerly vacant homes developed by approved developers in eligible Healthy Neighborhoods

    Contact:
    Ben Glover
    Director of Capital Programs
    (410) 332-0387 Ext. 1005
    bglover@healthyneighborhoods.org
    40 S Fulton Ave, Baltimore, MD 21223

    How to Apply

    Application Process

    To learn more about the Interest Rate Reduction Grant:

    1. Contact: Ben Glover, Director of Capital Programs
    - Phone: (410) 332-0387 Ext. 1005
    - Email: bglover@healthyneighborhoods.org
    - Address: 40 S Fulton Ave, Baltimore, MD 21223

    2. Get Started: Follow HNI's general loan application process for Special Purchase Program properties

    Focus Areas & Funding Uses

    Fields of Work

    housingaffordable-housing

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