UMB’s Live Near Your Work (LNYW) Program and similar grants require the completion of a homeownership program provided by a HUD-certified housing counselor before signing a contract of sale.

Due to Covid-19, The Office of Homeownership is making revisions to its policy regarding the Homeownership Counseling Certificate. The Buyer now has 18 months from the date of the One-on-One Counseling Certificate to purchase a home. Additionally, the Homeownership Office is accepting One on One Homeownership Counseling via computer in recognition of Covid-19 distancing measures.

If both you and your spouse will be on the mortgage note, both spouses must earn their homeownership counseling certificate.

UMB utilizes GO Northwest Housing Resource Center for on-site sessions. Find their information below: 

GO Northwest Housing Resource Center
2300 Garrison Blvd., Suite 140
Baltimore, MD 21216
410-947-0084

You are not required to obtain your certification from UMB’s on-site agency. Organizations that sponsor the homeownership counseling are listed on the Live Baltimore site.