Maryland · First-time buyers
Down payment assistance, first-time buyer programs and home loans for buyers without a Social Security number — in plain English and in Spanish. No jargon, no pressure, and no guessing what you can afford.
Samson Properties · Licensed in Maryland,
Pennsylvania, West Virginia & Virginia
Bilingual service · Maryland broker license 5008858
01 — Where first-time buyers get stuck
It is the cash to close, the credit file, and not knowing which program you already qualify for. Those three things are what this site is about.
01 · Down payment
The state's own first-time buyer program. Zero-interest deferred assistance — the 1st Time Advantage 6000 line gives you a $6,000 second loan for down payment and closing costs, with no payments until the first mortgage ends. Other lines cover 3%, 4% or 5% of the loan.
How the program works →02 · Cash to close
Counties add money on top of the state programs. Montgomery County offers deferred loans of up to $25,000 for down payment and closing costs. Prince George's County runs its own program through the county's Affordable Housing Corporation. Some employers match.
Programs by county →03 · No SSN
You do not need a Social Security number to own a home in Maryland. Buyers who file taxes with an ITIN can qualify for non-QM programs, usually with 10% to 20% down and income documented through bank statements or tax returns.
How ITIN financing works →02 — What happens next
1
Income, county, savings, credit situation, and whether you are buying with an SSN or an ITIN. Fifteen minutes on the phone beats three weeks of guessing.
2
State, county and lender programs — and which ones stack. This is the part nobody explains, and it is usually where the money is.
3
A pre-approval with a real number, so you are shopping in the right range instead of falling in love with something that will not close.
03 — Where we work
If you are buying in Hyattsville, Langley Park, Silver Spring, Gaithersburg, College Park, Baltimore or anywhere in Prince George's or Montgomery County, we work your county's programs every week. Daysi Diaz is licensed in Maryland, Pennsylvania, West Virginia and Virginia.
04 — Straight answers
No. Buyers who file taxes with an ITIN can qualify for non-QM mortgage programs in Maryland. You will typically need a valid ITIN letter, a government-issued photo ID such as a passport or matrícula consular, 12 to 24 months of bank statements or tax returns, and a down payment that usually ranges from 10% to 20%.
Far less than most people assume — but the exact number depends on which programs you qualify for. The Maryland Mortgage Program offers zero-interest deferred assistance of up to 5% of the loan, and some counties add their own money on top. In Montgomery County, eligible buyers can receive deferred loans of up to $25,000. The fastest way to a real number is a conversation, not a calculator.
It depends on the program and the lender, and it is more flexible than most buyers expect. Programs look at your full file: income, rent history, savings, and employment. If your credit is thin or bruised, that is a reason to plan — not a reason to give up.
Often, yes — but it has to be structured correctly and not every lender handles it. This is exactly the kind of question that is worth asking before you fall in love with a house.
No. This site exists to explain the financing side — the part that actually stops first-time buyers. For listings you can use any portal; for understanding what you qualify for and which program fits your file, that is what we are here for.
For most buyers, three to six months. The first month is usually paperwork, program applications and any credit work; after that, finding and closing on the right house. Buyers using ITIN financing and bank statement income should plan for a little longer, because more documents need to be collected.
One phone call is usually enough to know which programs fit your file and what you would actually need to bring to closing. English or Spanish — whichever you prefer.