Introduction of Housing Counseling and Fees

After you’ve attended one of our You Can be a Homeowner Workshop, be sure to schedule an appointment to meet with our housing advisor. In this confidential, personalized one-on-one session, you will:

  • Review your credit report and identify any issues to correct before you apply for your mortgage loan
  • Determine the price range of homes that best fit your budget
  • Create a household budget that helps you save for your future home and the expenses of homeownership
  • Learn about the many programs that are available to help you buy your home

Get the most out of your follow-up appointment by bringing as much of the following information as you can:

  • Photo ID
  • Tax Returns and W-2’s from the last two years
  • One month paystubs
  • Bank statement
  • Credit card statements
  • Monthly expenses
  • A recent Credit Report (We can pull one for a fee, or you can get a free credit report by calling 877-322-8228, or go to www.annualcreditreport.com )

Homebuyer Counseling Certificates

Many mortgage and loan programs require proof of completion of homebuyer counseling. Certificates can be issued after you have successfully completed both the “You Can be a Homeowner Workshop” and the one-on-one counseling session. The Hagerstown Home Store is a HUD-certified Housing Counseling Agency.

Foreclosure & Post-Purchase Counseling

From time to time, as a homeowner, you may run into financial difficulties that cause you to fall behind on your mortgage payments. Our Housing Advisor can help you communicate with your lender, assess the options available to you, and create a plan to get you back on track and avoid foreclosure.


Buying a home in Washington County? Our services are free. However, for those who meet one-on-one with our Housing Advisor, there is a one-time credit report fee of $20 per person or $42 per joint application as of January 1, 2023, subject to change.

Buying a home in a county other than Washington? Attend our workshop at no cost, but there is a $50 fee to meet one-on-one with our Housing Advisor, and an additional cost for a credit report ($20 per person as of January 1, 2023, subject to change).

We are a private nonprofit agency dedicated to helping you become a homeowner. We are not affiliated with any for-profit company, so our information is completely objective. We’re not trying to sell you anything.


Register Online Below

The first step on your journey toward homeownership should be our free “You Can Be a Homeowner” workshop. Choose a class from the schedule below:

The 3-hour workshop outlines the steps to take to help you prepare for the homebuying process. Through volunteers from the real estate, lending, home inspection & MD Insurance Administration, you will understand:

  • How to work with a Realtor and a Mortgage Lender
  • The importance of a home inspection
  • What type of Home Owner’s insurance is right for you
    How to protect your investment through proper budgeting and maintenance


Workshops are held at our classroom and office at: 21 East Franklin Street, Hagerstown

There is plenty of parking in the City Municipal lot that can be accessed from East Franklin, East Washington, and South Locust Streets. Building is handicapped accessible. Individuals requiring special accommodations are requested to contact the office 301-797-0900 or for the hearing impaired, contact the Maryland Relay Operator at 1-800-735-2258.

The Next Step

After the workshop, be sure to call and schedule a one-one-one session with a Housing Counselor.

Down Payment Assistance: Community Partner Incentive Program (CPIP)

We thank the City of Hagerstown for funding the Home Store’s down-payment assistance program.

Buying a home in Hagerstown is easier with help from the Hagerstown Home Store. Our HUD-certified housing counseling agency joined forces with the State of Maryland through a unique Initiative called the “Community Partners Incentive Program.” Now, home buyers in the City of Hagerstown can receive up to $6,000 for down-payment and closing cost assistance. That’s in addition to the Maryland’s below-market mortgage rates, offered through the Maryland Mortgage Program.  Our assistance can be combined with additional programs.

Buyers must complete our housing counseling program before placing a contract on a home. Income limits apply.