Homeownership
CHAI offers Homebuyer Education Workshops and one-on-one pre-purchase counseling to guide you on your path to homeownership.
CHAI is a HUD-approved housing counseling agency.
If you are at risk of losing your home, CHAI can help!
Homebuyer Education Workshops
Thinking about buying a home in Baltimore City?
Join us at one of our free monthly workshops to learn everything you need to know about becoming credit-ready, selecting a realtor, getting a mortgage, and down payment incentives!
CHAI’s Homebuyer Education Workshops are conducted via Zoom.
Pre-purchase Counseling
Pre-purchase counseling helps first-time homebuyers understand the home buying process and prepare for the responsibilities of homeownership.
Please note: To be eligible for funds through Maryland State and/or Baltimore City incentive programs, first-time homebuyers must attend a homebuyer education workshop and one-on-one pre-purchase counseling.
To schedule an individual session (via Zoom and/or telephone) contact Linda Lee at llee@chaibaltimore.org or 410-500-5309.
Foreclosure and Eviction Counseling
CHAI’s HUD-certified counselors are available to help you obtain the assistance you need to keep your home. Our counselors provide guidance to prevent foreclosure and eviction by explaining your options and helping you navigate complex processes including forbearance and mortgage modifications. There is no cost for these services.
Homebuyer and Home Improvement Loans
CHAI offers interest-free, 2nd mortgage loans to existing homeowners for interior and exterior repairs, home upgrades that reduce household energy consumption, and down payment and closing cost reimbursements.
CHAI's Homes for Sale
In addition to providing high quality affordable rental housing throughout northwest Baltimore, CHAI creates housing opportunity for homebuyers through the purchase, renovation and resale of formerly vacant and blighted homes. We currently have a fully renovated row home available for sale on Oakley Avenue – a quiet tree-lined street in Central Park Heights in close proximity to Pimlico Elementary, a Baltimore City 21st Century School. This home has been thoughtfully updated with gourmet kitchens, energy efficient heating and cooling systems, and new flooring throughout. To learn more, click below.
