(Feb. 28, 2020) Part of each residential contract of sale in Maryland is an addendum from Section 10-702 of the Real Property Article of the Annotated Code of Maryland (Section 10-702). I Clever's service is 100% free with no obligation. [+4#I i;[H1oh)P]g>zcY/.-7*zMbbW\)JN ?/7HYt$KCGyDsHs#+A{#0 % 4. If your aim is to reduce the amount of cash due at closing, then one of the more popular options available to you is the FHA loan program. Interested in learning more about buying or selling real estate? If you don't love your Clever partner agent, you can request to meet with another, or shake hands and go a different direction. Md. Another awesome advantage for the seller is that some real estate brokers actually offer commission rebates to sellers when the home is sold. Buyers and sellers each pay for different closing costs to finalize a sale. 0000010935 00000 n The new form uses specific language to make perfectly clear what a seller is giving to a buyer in the way of closing cost assistance. If you think about it, everyone benefits when a home purchase transaction is completed, so every little push counts for something! 0000036928 00000 n 8 0 obj Closing costs can easily be in the thousands, and having to produce the funds out of pocket or have the proceeds from your home sale reduced is never fun. 0000035662 00000 n {qd h{UB hu OJ QJ ^J hx2 OJ QJ ^J h?I h?I CJ OJ QJ ^J aJ h{UB hh OJ QJ ^J h{UB hLt OJ QJ ^J h{UB hT}2 OJ QJ ^J h?I OJ QJ ^J h OJ QJ ^J hh hh 5OJ QJ ^J hh h} 5OJ QJ ^J hh hT}2 5OJ QJ ^J ha8 5>*CJ OJ QJ aJ ' 0 1 } i c For a $405,957 home the median home value in Maryland you'd pay about $14,492. c 1240 0 obj <>stream Paragraph 5 enables the parties to change the Seller Contribution initially agreed to in the contract. 5 0 obj %PDF-1.6 Some of the benefits include zero down payment requirements and limits on the amount a home buyer is expected to pay in closing costs. d gdSZ gdLt 7$ 8$ H$ gd $a$gd gdT}2 $a$gdLt < 0000015057 00000 n Doctor Explains. Buyers and sellers both have to pay unique closing costs to finalize a home sale. 3 0 obj ADDENDUM TO PURCHASE AGREEMENT MARYLAND STATE SPECIFIC TERMS Buyer acknowledges that the purchase of the Property may have resulted from a transfer . Seller's Closing Costs Seller shall pay the following costs in connection with the consummation of the Closing: (i) all of the charges and transfer taxes for recording the deeds; (ii) all commissions owed to any broker in accordance with the terms of a separate agreement between Seller and such broker; and (iii) all other . In Maryland, expect to pay about 3.57% of your homes sale price in closing costs not including realtor fees. 0000012307 00000 n Maryland seller hb```b``f`c`\ B@1v,V;00X~bq 'lg6L=9UIyzTIJg7 [Content_Types].xmlj0Er(Iw},-j4 wP-t#b{UTU^hd})*1P' ^W0)T9l#$yi};~@(Hu*Dz/0$X3aZ,D0j~3b~i>3\`?/[G\!-Rk.s..a? 0000049143 00000 n 0000002696 00000 n Whether a borrower handles all of their closing costs out of pocket, or manages to get many of them rolled into the loan itself, dealing with closing costs can still be a stressful process. contracts of sales includes addendums, Md. home value in Maryland you'd pay around $1,015. Even with the caps in place, the actual rule of thumb is that the seller is only allowed to contribute the lesser of the sum of the closing costs or the seller contribution limit. 0000002896 00000 n 0000034722 00000 n {S^ bad qYCqb| lk1d0m>nq> -@-$*>0axK9& Ze<8adepao&_84c3~V0T``paC.^KN1db0qHg`{,ll>?? 0000036854 00000 n /Type /Metadata endstream 0000005309 00000 n Paragraph 10 or any addendum to this Contract shall be deemed to have been fully satisfied. Microsoft Word - AS IS Addendum 10_17 Changes Included.doc. Don't Threaten. This form is produced by MAR and is for use by Realtor members of MAR. Of course, having the seller take care of some of the costs of closing is a huge deal, but it isnt just the home buyer reaping all of the benefits. <> 0000007845 00000 n Clever's service is 100% free, with zero obligation. For a $405,957 house the median Sellers can use buyer incentives to encourage more house hunters to submit their offers. Colette.Massengale Although buyers and sellers in Maryland usually pay for their own closing agents, this isn't always the case. 0000031900 00000 n % x+ | Except as negotiated by the parties to the Contract, this form may not be altered or modified in any form without the prior expressed written consent of the Maryland Association of REALTORS,Inc. Get a lower rate with a top local agent! If . Nothing but the best for the brave men and women who serve this great country! x+ | Using this prorated system, you won't be on the hook for the full 12 months of taxes. K(l*EmF]" As you can see, even in the BEST case scenario for purchasing a home at the countrys average list price, the home buyer is on the hook for a smooth $60,500. 0000006302 00000 n There a few different loan options, but generally, USDA loans require low to zero down payments, since the target consumers may find it hard to make a down payment of 20%. 3 0 obj In Maryland, it's common for sellers to pay title and closing service fees, transfer taxes, and recording fees. It's possible for some sellers to save money by shopping around for lower service rates. Your total closing costs will vary based on your home's value, local fees, and arrangements with your buyer. Seller makes no warranty, express or implied, as to the condition of the Property or any equipment or system contained therein. You'll also find our Maryland seller 102 0 obj <> endobj HW[o7V R0R\*U}7)J)Jxwm9'($J4?%A8:n~{ ^i4 sc\P Dont hesitate to reach out and speak with a mortgage expert today!! 0000040794 00000 n EDi~=rV+*I N}v{CX Description: This Addendum is used when the Seller is financing all or a part of the purchase price. Berkshire Hathaway HomeServices Homesale Realty's office number is +1 (410) 732-3030. EMC Get the Maryland real estate contract addendum accomplished. @}w7c(Eb CA7K Y, e.|,H,lxIsQ}# +!,^$j=GW)E+& EMC /Pages 3 0 R The advanced tools of the editor will direct you through the editable PDF template. <>stream Remember that this figure is only an approximation. @ NOTE: The amount paid by Seller cannot exceed the maximum Seller . xIr0EO"N'&oi%V!d6G~-)$S>X KI"6?Og}QI_w1Pw(J( [Content_Types].xmlPK- ! who is a Maryland real estate licensee involved in this transaction, is related . Md. While some home buyers are well aware of the possible expenses due at closing and save up ahead of time, there are still a staggering amount of people who are simply unable to save that kind of money. EMC This code requires that a seller of a single-family residential property deliver to each buyer, on or before entering into a contract of sale, on a form published and prepared by the Maryland Real Estate Commission, either: 1) A written property condition disclosure statement listing all defects including latent defects, or information of which the seller has actual knowledge related to the following: Water and sewer systems, water treatment systems and sprinkler systems; insulation; structural systems, including the roof, walls, floors, foundation and any basement; plumbing, electrical, heating and air conditioning systems; infestation of wood-destroying insects; land use matters; hazardous or regulated materials, including asbestos, lead-based paint, radon, underground storage tanks and licensed landfills; any other material defects, including latent defects, of which the seller has actual knowledge; whether the required permits were obtained for any improvements made to the property; smoke alarms; and If the property relies on the combustion of a fossil fuel for heat, ventilation, hot water, or clothes dryer operation, whether a carbon monoxide alarm is installed on the property. %%EOF Those benefits alone are enough to boost even a first time home buyers confidence, yet they barely scratch the surface of how useful a VA loan truly is. contracts of sales includes addendums. 0000045803 00000 n And lets face it, asking a family member for help sure beats asking a complete stranger whom you are purchasing a home from, doesnt it? stream x}rxwr:\TZaG*y8IjbRc|XI endobj endstream endobj 1094 0 obj <>/Subtype/Form/Type/XObject>>stream did nick zano leave legends of tomorrow; what is mikado fabric made of. Believe it or not, seller contributions are only a subsection of a much broader category known as Interested party contributions or IPCs. Use the 'Report' link on Typically focusing on home buyers in rural or low-income areas, the USDAs home loan programs offer some incredible benefits for home buyers. In short, no. %PDF-1.6 % (Feb. 28, 2020) Part of each residential contract of sale in Maryland is an addendum from Section 10-702 of the Real Property Article of the Annotated Code of Maryland ("Section 10-702"). All other terms and conditions of the Agreement of Sale remain in full force and effect. Seller closing costs include all the fees due when you finalize the sale of your home in Maryland. There always seem to be no shortage of added costs at closing, so having a way to avoid paying even a few of them can be greatly refreshing for any home buyer. If lender prohibits Seller from payment of any portion of such credit, then said credit shall be reduced to the maximum amount allowed by lender. If you need to purchase a home and are worried about how to afford closing costs, here are a few alternatives that may be worth keeping in mind. gdLt $a$gdSZ d gdSZ ) * K L s  h 5OJ QJ ^J h(T h,2 h'Z6 hSZ #hSZ B* CJ Being a government insured loan program, they are well known for their highly flexible eligibility criteria as well as their low down payment requirements. endstream 2 0 obj Buyer / Page 3 of 10 10/15 Seller / MARYLAND LEAD POISONING PREVENTION PROGRAM: Under the Maryland Lead Poisoning Prevention Program Buyer acknowledges by Buyer's initials below that Buyer has read and understands Paragraph 16.C. VA loans may have some odd rules when it comes to seller contributions, but the seller is allowed to pay all or part of the upfront VA funding fee of 2.15% 3.3% of the loan amount, as it falls within the VAs 4% maximum contribution rule. Home buyers may be more inclined to have to take out a larger loan amount if they know they wont have to worry about paying expensive closing costs out of pocket. 0000033398 00000 n Microsoft Word - SMAR 201 Southern MD Clauses Addendum to Unimproved Land Contract.docx For use by REALTOR members of the Delaware Association of REALTORS only. endobj FIND: Learn more about buyer closing costs in Maryland. May 24, 2021 seller contribution addendum marylandmatt kuchar club distances. Learn more about transfer taxes in Maryland. The closing costs can also be rolled into the loan amount in some cases, making them even more affordable on the front end. 6 + _rels/.relsPK- ! For a $405,957 home the /Filter /FlateDecode <> Related to Sellers Contributions to Buyers Closing Costs Addendum. In most cases, your closing costs will come out of your sales proceeds. Ask your agent if you don't know which fees you'll need to cover. [ym>7dX#R+'9aL%5#jL6%nU-K-sC;y /{aPL62Z Contact me today. /Tx BMC Conventional loans are not insured by any government entity and are typically bound by whatever rules are set by the nations largest purchasers of mortgage loans, Fannie Mae and Freddie Mac. Buyer / Page 3 of 10 10/11 Seller / MARYLAND LEAD POISONING PREVENTION PROGRAM: Under the Maryland . 0000014044 00000 n youth basketball tyler, tx. 2(2N5 D%}T*poZ USDA Single Family Direct Homeownership Loan. There are a plethora of loan types for home buyers to choose from, each with their own rules as to home much of a seller contribution is acceptable. endobj HUy\W39 r I *ITA+",+*X(V"hAiWmcg{ m:] W1X%08 A] G{FJ^fqy# >[8XP Z _rK0FR . 10/14 SELLER CONTRIBUTION ADDENDUM = C?hv=%[xp{_PH0ORBdJE4b$q_6LR7`0O,En7Lib/Se PK ! 0000007404 00000 n 0000030688 00000 n endstream 0000006062 00000 n This code requires that a seller of a single-family residential property deliver to each buyer, on or before . This fee can be paid utilizing seller contributions, however, the contribution MUST cover the entire fee. Clever matches you with top-rated agents from major brokerages, like Keller Williams and RE/MAX. Sometimes, even grant programs for home buyers also fall within the interested party umbrella, so always be sure to discuss the options with your mortgage loan officer. Even so, the program still allows a sellers contribution of up to 6% of the sale price of the home. endstream 2022 Clever Real Estate. 7 0 obj endstream endobj 1089 0 obj <><><>]/OFF[]/Order[]/RBGroups[]>>/OCGs[1158 0 R]>>/OpenAction 1090 0 R/Outlines 154 0 R/Pages 1084 0 R/StructTreeRoot 159 0 R/Type/Catalog/ViewerPreferences<>>> endobj 1090 0 obj <> endobj 1091 0 obj <>/ExtGState<>/Font<>/ProcSet[/PDF/Text]/XObject<>>>/Rotate 0/StructParents 5/Tabs/W/TrimBox[0.0 0.0 612.0 792.0]/Type/Page>> endobj 1092 0 obj <>/Subtype/Form/Type/XObject>>stream x+ | No racism, sexism or any sort of -ism 7 0 obj 4 0 obj endstream endobj 1097 0 obj <>/Subtype/Form/Type/XObject>>stream 0000011299 00000 n Seller's contribution toward Buyer's closing costs shall be in addition to and not in lieu of or in substitution for the . See how Clever can match you with a local expert, Learn more about buyer closing costs in Maryland, Learn more about transfer taxes in Maryland, How to negotiate with buyers before accepting an offer, Learn more about what makes up seller closing costs in Maryland, Learn 7 0 obj 6 0 obj endobj 0000013804 00000 n << Interested in learning more about buying or selling real estate? 0000049032 00000 n <>stream High 56F. Thankfully, there's a way to save big by selling with Clever. 0000003656 00000 n endobj endstream endobj 111 0 obj<>/Encoding<>>>/FT/Tx/Type/Annot/AP<>>> endobj 112 0 obj<>/Type/XObject/BBox[0.0 0.0 198.12 17.4]/FormType 1>>stream With the average list price of a home in the United States at around $275,000, the average required down payment on a conventional loan comes out to a whopping $55,000. Seller represents that the Property is OR is not [CHECK ONE] considered "agricultural land", as defined by Md. No matter what the amount, nearly every home buyer has a lot to gain from seller contributions. You might need to get a property appraisal for your historic Baltimore home, or you may want to retain a real estate attorney to guide 5.2 Seller shall not contribute any amount toward Loan Costs. MORE: Realtor commission fees are usually the most expensive part of selling a home in Maryland. LOAN DETAILS: Years Years % % Loan Amount$ Term of Note Amortization Interest Rate Loan Program EMC <>stream that is degrading to another person. This means that if the closing costs for a loan come out to $6,000, but the given cap for the loan type that buyers chose in conjunction with the sale price of the home technically allows a contribution of up to $10,000, the seller can only contribute a maximum of $6,000. 0000009572 00000 n %PDF-1.7 % Maryland real estate contract addendum: Easy to Fill and . 12. 0000048179 00000 n 1155 0 obj <>/Filter/FlateDecode/ID[<481DB46CBCCE7B47A3706F6430DE679B>]/Index[1088 153]/Info 1087 0 R/Length 205/Prev 901432/Root 1089 0 R/Size 1241/Type/XRef/W[1 3 1]>>stream Not every seller is willing to pay anything for the home buyer, especially when they too are in the process of buying a new home. endstream Property Inspections Notice Page 1, (Notice to Pursuant to Maryland REALTORS Property Inspections Addendum . That sort of financial aid is usually reserved for family. >> These contributions are used as incentives for a home buyer to purchase a particular home, or to ensure that the home purchase is seen through to completion. Seller agrees to comply with Section 10-702 of the Real Property Article of the Annotated Code of Maryland if applicable (Residential Property Disclosure and Disclaimer). Colette.Massengale When you use Clever, you'll be paired with a great realtor who will share the insights you'll need to make the most of carlsbad high school athletics; was mare winningham in little house on the prairie; liste des choses haram en islam Get guaranteed full service for a fraction of the 3% rate agents typically charge. /Metadata 2 0 R Additionally, even with generous contribution limits, sellers that are willing to make contributions typically have a dollar amount that they wont dare go past. ADDENDUM REGARDING SELLER OR LENDER CONTRIBUTIONS - 6.25.2018 Author: CBC Created Date: 7/27/2018 6:25:02 PM . more about who pays closing costs in Maryland. 0000012049 00000 n h1 In regards to seller contributions, the VA does have some intricate rules. On top of that, there is actually a limit as to how much a home buyer can be charged in closing costs. Are you sure you want to report this blog entry as spam? bd0vGlwgc>v8C/-k(,yES||_W(*Cpwx Dzzb{#(,bv~/n';sc']p -Y=yPeuK) \rgh L(4_m3%iXshI,1B>*SK)YY i&HRD{|,,=H*\)Xy'B~ti@@M\;OE$9c>xDJ~|>Jp3'|*{B0?%W:*4A)sM7@1uuo*,3rz9K41VnUD_*>q)ERo]rIF\2B!KL#0AP[.:TN^tg3_HQ:uK{-ii$e(l>R8.fcsO1ilN405/J@'eBqV_dG:[#g\'eOh Y.a\hO.CzunrIkKEs hX-+l4' z*c 5$\-WKF'kP5#c7=Dw)os(UU[}o;`Vk:7YotQ\qFY*][T,pXKT2`HC6U:e /Tx BMC 2 0 obj You can download the form on the MAR website, www.mdrealtor.com. Still, that figure is dependent on the down payment that the home buyer will be making. In many cases, even the lower 3% can cover all of the closing costs on a home loan. /ExtGState 17 0 R One such factor is the type of loan that the home buyer will use to purchase the home. Seller contributions are a portion of the closing costs paid by the party selling the home. endobj xref Use this Maryland closing costs calculator to better understand how much money you'll actually take home after closing. Getting rid of even a few of the costs associated with closing a home would be worth almost any hassle. seller contribution addendum maryland liz spoke and weal julho 1, 2022. report abandoned car victoria police We'd love to hear eyewitness The Contract is contingent upon Buyer obtaining a conventional loan secured by the Property as follows: Buyer / Page 1 of 2 Seller / and Seller for Property known as 1. this equates to around $14,492 at closing. The average property tax rate in Maryland is #N/A, but this can vary quite a bit depending on your county. Keep reading to learn what you're responsible for as a seller and how much closing costs are in Maryland. Code, Tax Prop. Welcome! At this point, many home buyers and homeowners can agree: closing costs suck. 0 Register today to take advantage of these benefits and more! Seller Financing Addendum (Form ID: 26-8) Effective Date: 02/01/2023 . In fact, eligible borrowers only need a 3.5% down payment in order to qualify for an FHA loan. 4 In most cases, your closing costs will come out of your sales proceeds. vg\|D)}_.xcv@Tn{$f_$)]sZpt"L\wn]T4F , Microsoft Word - SMAR 201 Southern MD Clauses Addendum to Unimproved Land Contract.docx. 6. Learn {{{ h,2 h(T j h(T Uh 5OJ QJ ^J h@ h{UB 5OJ QJ ^J h@ OJ QJ ^J h@ h OJ QJ ^J h{UB h OJ QJ ^J ha8 OJ QJ ^J h?I OJ QJ ^J h{UB hT}2 OJ QJ ^J h OJ QJ ^J h{UB h\O OJ QJ ^J . 9 0 obj Doctor Explains, Is Baltimore eating its way to dementia? A good portion of the time, sellers arent interested in paying anything for a complete stranger. endstream endobj This is when you are buying a home from a family member at a price significantly lower than the appraised market value of the home. 0000046952 00000 n Be sure to check with your real estate agent so you can find out exactly you'll need to pay in property taxes. Contact me today and learn how I can help you achieve your goals. 0000002313 00000 n All Rights Reserved. SELLER CONTRIBUTION ADDENDUM. /Filter /FlateDecode This video provides a step-by-step guide on how to fill out Maryland's Seller Contribution Addendum form. ADDENDA/DISCLOSURES: The Addenda checked below, which are hereby attached, are made a part of this . Maryland sellers can expect to pay around 3.57% of their home's final sale price in closing costs. 0 1 6 l | } 4 N U f /OpenAction 4 0 R x+ | GEM22\g` wbg9ijXZ(A-?5JTL@QIiw=8J9vZ^GV4H|`H>(h'9tXUX#Ui\3&D"MK[P$yE/5u0b"mZ'oB+}x^.QQjrvA:fg & endstream endobj 1096 0 obj <>/Subtype/Form/Type/XObject>>stream Anyone who stands to benefit from the sale of the home is considered an interested party. Every home sale in Maryland is unique, so many sellers end up facing a couple surprise fees. Clevers Concierge Team can help you compare local agents and find the best expert for your search. One such method is through seller contribution. It is an educational website only to be used for informational purposes. ! Your county will charge a small fee to keep a legal record of your property's mortgage and deed information. 0000014498 00000 n Be Nice. All Rights Reserved. With listing fees of just 1.5%, you'll save up to 50% on realtor commission, putting more money in your pocket. /S /JavaScript endobj Winds WNW at 5 to 10 mph. 0000002958 00000 n 0000008876 00000 n For instance, Baltimore County states that their recording tax is $2.50 for every $500 of a property's value. endobj Schedule a free, no obligation consultation with a top local agent today! << <<0FB86BB11A960B499363873569C491F2>]>> Seller contributions are a portion of the closing costs paid by the party selling the home. median home value in Maryland you'd pay about $14,492. <> /Tx BMC endstream 10 0 obj 1 0 obj Interview as many agents as you like until you find the perfect fit or walk away at any time. endstream endobj 180 0 obj<>/Size 102/Type/XRef>>stream On average, sellers spend around $8,119 on buyer incentives in Maryland. USDA typically require an upfront guarantee fee of 2% of the loan amount, that the home buyer is allowed to use seller contributions to pay. Title fees cover the costs of your title search and title transfer. 13-301. endobj In Anne Arundel County, the recording fee is $3.50 As we have mentioned earlier, the amount that a seller is allowed to contribute depends on a few factors. " %PDF-1.3 - Comment on articles % While they may be largely beneficial for many home buyers because of their favorable loan terms, one downside to government-backed loans is the fact that they all need some form of funding fee. Still, all things considered, sellers are typically allowed to contribute anywhere from 3% to 6% of the homes purchase price towards the buyers closing costs. x+ | Maryland. 0000032106 00000 n If a seller is in between selling their home and buying a new one, getting their home sold faster means being able to purchase a new home quicker. 0000004575 00000 n S$;wlW1f^OzsaubZO=q6q+]=5(Ri1~x&mZl `zj3c0_PP{FEt3 &J9 [DJ-+vE}3A3?dlJM%i5coF :P- jtYu+ie$JX+rPAurL1m"IpB{~Y^ Maryland REALTORS prepared one new form, the 1031 Tax Deferred Exchange Addendum: 1031 Tax Deferred Exchange Addendum . Some cities charge additional transfer taxes, which buyers and sellers may choose to split evenly or negotiate who should cover all transfer costs. Your unique closing costs can vary depending on a wide range of factors. However, transfer taxes can vary a lot depending on your home value and location. This includes realtors, home builders, and definitely the seller. /Type /Action Finally: A Seller Contribution Addendum for Maryland By Michael Carnahan Real Estate Agent with Re/Max Components March 16, 2011 07:16 AM In a recent email from the Maryland Assocation of Realtors (MAR), I noticed that they had a new Seller Contribution Addendum. 0000012547 00000 n 0000000016 00000 n For a down payment of 25% or more, the seller contribution limit is capped at 9% of the sale price of the home. July 3, 2022 July 3, 2022. eW )6-rCSj id DAIqbJ#x6k#ASh&t(Q%p%m&]caSl=X\P1Mh9MVdDAaVB[fJP|8AV^f Hn-"d>zn >b&2vKyD:,AGm\nzi.uYC6OMf3or$5NHT[XF64T,M0E)`#5XY` ;%1Um;R>QDDcpU'&LE/pm%]8firS4d7y\`JnIR3U~7+#mqBiDi*L69mY&iHE=(K&N!V.KeLD{D vEdeNe(MN9R6&3(a/DUzV)9Z[4^n5!J?Q3eBoCMmIYfZY_p[=al-Y}Nc4vfavl'SA8|*u{-0%M07% PK ! Need estimates for your sale? Doctor Explains, Maryland DNR opens investigation into bald eagle found on Ocean Pines road, Ozempic Face showing up in Salisbury? Seller, at Closing, shall credit, as directed by Buyer, an amount of $ to assist 116 with Buyer's closing costs, (Seller Concession). January 21, 2022 seller contribution addendum marylandtarget designer collaboration 2022. hamilton broadway workshop. . endobj u3KGnD1NIBs *:(W ~JTe\O*tHGHY }KNP*T9/#A7qZ$*c?qUnwN%Oi4=3P Don't knowingly lie about anyone Seller Concession is in addition to any sum Seller has agreed to pay or credit 117 Buyer elsewhere in this Contract. each comment to let us know of abusive posts. %PDF-1.6 0000013046 00000 n For a down payment between 10% and 25% (the most common, with the average down payment being 20%), the seller contribution limit is capped at 6% of the sale price of the home. 4 0 obj K P theme/theme/theme1.xmlPK- ! endobj Enter your zip code to see if Clever has a partner agent in your area. Harrison Greenough is a licensed real estate salesperson in the state of Maryland (DRE 680744) and a member of the Greater Baltimore Board of Realtors. USDA loans are specially designed for low-income areas and rural housing.

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