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On October 2, 1996, Baltimore became the first city in the United States to adopt 311 as a non-emergency "hot line" telephone number, in order to reserve the use of 911 for genuine emergencies.

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WHAT TYPES OF CLOSING COSTS ARE ASSOCIATED WITH FHA-INSURED LOANS?

Except for the addition of an FHA mortgage insurance premium, FHA closing costs are similar to those of a conventional loan outlined in Question 63. The FHA requires a single, upfront mortgage insurance premium equal to 2.25% of the mortgage to be paid at closing (or 1.75% if you complete the HELP program- see Question 91). This initial premium may be partially refunded if the loan is paid in full during the first seven years of the loan term. After closing, you will then be responsible for an annual premium - paid monthly - if your mortgage is over 15 years or if you have a 15-year loan with an LTV greater than 90%.
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Once the center of Baltimore's Jewish community, it has undergone white flight since the 1960s and has became an almost exclusively African American area.