Dale M. Servetnick Realtor, Salesperson Your Maryland 'Net Realtor! Long & Foster Real Estate, Inc.

Office: 800-275-6902 Direct: 301-893-6167 or 800-275-6902, Ext. 6167 Cell: 301-751-2932

Too often, people who perform vital public services can’t afford to live in the communities they serve. 

That’s why I and my Prosperity Mortgage representative have created the “Teachers, Firefighters, Policemen and Nurses” Homeownership Program. This beneficial program is designed to help vital public servants buy their first homes or move up to a bigger home. These very special members of the community include: State and local police, firefighters, school teachers, and certified healthcare providers.

General Information and Program Highlights

• This program offers 100% financing ...

  • If you have a credit score of at least 620, Prosperity Mortgage can lend 100% of the sale price, up to $417,000.

• 30-Year and 40-Year Fixed Rate Mortgages Available ...

  • Interest only and ARMs are also available under this program.

• Flexibility in Qualifying Ratios ...

  • The qualifying ratio can go as high as 50%.

  • In addition to using your verified income to qualify, Prosperity Mortgage is also allowed to use certain additional, undocumented side income.

  • Prosperity Mortgage is able to use certain rental income that you may receive from roommates who plan to move to the new house with you.

• The seller is allowed to pay 6% towards closing costs ...

  • So you could buy a home with virtually no money paid at the time of closing.

• There are no income or property location restrictions for teachers.

The first step for you to get started is to Contact Me so that we can begin to establish the criteria that we will use to help you find a home. I will recommend that you immediately contact Marie Paris at Prosperity Mortgage, too, so that she can discuss the lending requirements with you and begin the pre-qualification process.

You can reach her in the office by phone at 301-638-0218 or by fax at 301-638-1860. You can also send her an e-mail at marielouise.paris@prosperitymortgage.com. If you contact her directly, don't forget to mention that you've already discussed the program with me!

Please don't hesitate to contact me with any questions that you may have about Real Estate in Maryland. I will gladly tell you how I work as "YOUR Maryland Internet Realtor."