These are just some of the special loan products available locally. Loan limits, income limits, terms and interest rates vary and are subject to change at any time.
MMP – Maryland Mortgage Program
DSELP – Downpayment and Settlement Expense Loan Program*
* Subject to availability.
City of Hagerstown Financial Incentives: http://www.hagerstownmd.org/index.aspx?NID=703
City Of Hagerstown Homeownership Program: http://www.hagerstownmd.org/1279/Homeownership-Program
Maryland Home Financing Program – Homeownership for Individuals with Disabilities
VA – Guarantee
FHA – Insured
USDA Rural Housing Direct Loans
Other Financing and Housing Programs
This list includes only a few of the many mortgage programs that are available. Other programs that meet your needs may be available through local mortgage lenders. Programs listed are subject to change without notice and may not include all borrower requirements.
As a buyer, it is important to choose a real estate agent who is right for you. Your agent should be someone you are comfortable around, can trust, and are confident will work in your best interests. Plan on working with only one agent as most have access to information on all current home listings in the area. It is beneficial to interview several agents before making your choice. The fact sheet below includes questions that will help you with your decision. For a current list of local Realtors, contact us at
For a current list of local lenders and the programs they offer, contact us. For a current list of local Realtors, contact us at
A helpful fact sheet to help you think about homeowners insurance.
“The first year’s annual premium for a homeowners’ insurance policy is almost always required to be paid in full by the time of settlement.”
Downtown Historic District | Potomac-Broadway | Carroll Heights | Jonathan Street | Fairgrounds | West End | Pangborn
City Park and South End | Oak Hill | Locust Point | Wilson
Downtown Historic District
The Downtown Historic District in the City’s center features a showcase of late nineteenth and early twentieth century residential and commercial buildings. The downtown area is home to City and County governments, the Maryland Theatre, the Washington County Public Library, the University System of Maryland at Hagerstown, as well as specialty shops, offices, and restaurants. The Barbara Ingram School for the Arts, a public high school in renovated historic theater, offers specialized programs for students, grades 9-12, including instrumental music, vocal music, theater, dance, visual and literary arts.
Housing in this area is predominantly row house style, with a variety of other townhouses and apartments. The two main streets, Washington and Franklin, have been enhanced with brick-lined intersections, trees, garden beds, and expanded parking facilities. Potomac Street features widened sidewalks and outdoor dining. Numerous historic churches serve downtown, and St. Mary’s parochial elementary school lies within Downtown.
Moving east from downtown, the Potomac-Broadway neighborhood offers a variety of large houses sitting on spacious lots. The area contains a number of middle-size and large nineteenth century homes with historic significance, as well as more modest houses and duplexes, attractive apartments, and urban townhomes.
Just to the north lies the Jonathan Street neighborhood. Comprised mostly of smaller mixed-type homes, this tightly knit community includes nine churches, a playground, Wheaton Park, and a community center.
The Fairgrounds neighborhood contains compact, mature homes, including a smaller area of well-maintained historic row houses. Do-it-yourselfers will love the historic homes’ potential to be converted into large single-family dwellings. The City of Hagerstown’s 68-acre Fairgrounds Recreation Park lies within this neighborhood and is currently being redeveloped as a multi-use recreational and community activity open space. This past year, the City of Hagerstown resurrected its annual Fourth of July celebration with concerts and a fireworks display at the Park. With an ice rink, sports fields, BMX track, walking trails, and picnic areas, the new Fairgrounds Park offers residents ample opportunity to get outside and play!
Extending eastward from the Fairgrounds is the Pangborn neighborhood, bounded by Hamilton Run and the City’s northeast boundary. Pangborn benefits from neighborhood conveniences including several churches, the City’s Municipal Golf Course, and neighborhood shopping. Of special note is the newly restored Pangborn Park, complete with fishing pond, tennis courts, horseshoe pits, volleyball court, softball field, picnic pavilions, and formal gardens.
City Park and South End
South of Downtown, the City Park and South End neighborhoods are predominantly residential. They encompass two historic districts containing single-family homes and residential properties converted into apartments and offices. Residences facing City Park are largely late Victorian and early twentieth century. The main residential area between Highland Way and South Potomac Street has a mix of small to moderate-size detached single-family homes, with good access to Bester Elementary School and the South Hagerstown High School campus. The beautiful 50-acre City Park borders this area with a three-lake waterway and a full array of activity areas including playgrounds, ball fields, picnic areas, walking trails, two museums, and a band shell. www.visithagerstown.com/museum
The Locust Point neighborhood encompasses the area south of Downtown extending to Memorial Boulevard. The area supports a combination of residentiual, commercial, and light industrial uses. The residential area in the eastern portion contains modest single-family houses and is serviced by Bester Elementary School, which also provides open recreational space.
Along the City’s southern edge, the Wilson Boulevard neighborhood offers a traditional residential setting of single-family homes. Plentiful neighborhood shopping and two churches service this area.
The West End neighborhood offers a large residential area with older row homes and small-lot detached homes, as well as mid-sized newer housing at its north end. This vibrant neighborhood includes nine churches, Salem Avenue elementary school, Western Heights Middle School, and the Marshall Street Education Center. Neighborhoods in the West End enjoy access to Hellane and Rockwillow Parks, occupying 25 acres on either side of Salem Avenue, as well as two playgrounds. Several major thoroughfares and public transportation provide good accessibility for residents. Nearby neighborhood and regional shopping centers further enhance this area’s appeal.
Carroll Heights, located at the City’s north-west corner, is a neighborhood comprised largely of single-family residences and some newer townhouse developments. East of Pennsylvania Avenue, the area includes North Hagerstown High School, Northern Middle School, and Fountaindale Elementary School. The community is also served by several churches and nearby shopping centers. Recreation areas include Hamilton Park playground and Mills Park.
The Oak Hill neighborhood includes Oak Hill Historic District, approximately 8 blocks north of Downtown. This highly stable neighborhood is virtually all residential and comprised of detached, moderate to very large single-family homes. Overall, large lots with deep setbacks, open spaces, and curving tree-lined streets characterize this neighborhood. Potomac Heights Elementary School, St. Maria Goretti Catholic High School, three churches, and the Longmeadow Shopping Center serve north end residences.
The Hagerstown Home Store has lots of helpful information including the publications listed below. All may be ordered by using the order form below.
Hagerstown Home Store Brochure and Workshop Schedule
Describes the services offered by the Hagerstown Home Store and provides dates and times for upcoming “You Can Be a Homeowner” workshops.
Hagerstown Neighborhood Development Partnership offers a number of helpful publications most of which may be viewed or downloaded from this site. Printed copies and packets of information may also be ordered using the Publication Order Form. If you need help finding the information you need, or have other questions, please call us at 301-797-0900 or send an email to firstname.lastname@example.org
Click on the title of the following publications. The downloadable files are in .pdf (portable document format), which can be read and printed on all platforms with the free Adobe Acrobat Reader program. If you do not have a copy of Reader, it can be downloaded free of charge from Adobe by clicking here.
HAGERSTOWN AND WASHINGTON COUNTY
Washington County: www.washco-md.net
City of Hagerstown: www.hagerstownmd.org
Visitors Center: www.visithagerstown.com
Fair Housing Action Center of Maryland: www.fairhousingmd.org
Wash. County Community Action Council: No website, call 301-797-4161
U.S. Dept. of Housing and Urban Development: www.hud.gov
Washington County Commission on Aging: No website, call 301-790-0275
Washington County Dept. of Social Services: http://dhs.maryland.gov/local-offices/washington-county/
Maryland Nonprofits: www.marylandnonprofits.org
Maryland Department of Housing & Community Development: www.dhcd.maryland.gov
Hagerstown Neighborhood Development Partnership: www.hagerstownhomestore.org
Fair Housing Action Center of Maryland: www.fairhousingmd.org
Maryland Dept. of the Environment – The Lead Line: www.mde.state.md.us
Green & Healthy Homes – Childhood Lead Poisoning: www.greenandhealthyhomes.org
District Court Self-Help Center: mdcourts.gov/legalhelp/districtctselfhelpctr
City of Hagerstown Home Ownership Programs: www.hagerstownmd.org/703/Incentives-for-Homeowners
Hagerstown Home Store: www.hagerstownhomestore.org
Interfaith Housing of Western Maryland: www.interfaithhousing.org
Maryland Mortgage Program: www.dhcd.state.md.us
Habitat for Humanity: www.habitat-wc.org/
USDA Rural Development: 502 Direct Loan Program
HOME BUYING AND IMPROVEMENT
CREDIT REPORTING AGENCIES
TRW Consumer Assistance : P.O. Box 2350 | Chatsworth, CA 91313-2350
Trans Union: 1-800-916-8800
Consumer Credit Counseling: www.debtfreeforme.com
Maryland Cooperative Extension: http://extension.umd.edu/
Legal Aid Bureau of Maryland: www.mdlab.org
Office of the Attorney General: www.oag.state.md.us
Consumer Protection Division: www.oag.state.md.us/consumer