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Line Up Your Hazard Insurance

A no-brainer, right? But it's another often-forgotten task that buyers scramble to take care of at the last minute. Before closing, your lender will want to see an insurance binder showing you have coverage for the new home. Get it as early as possible so that closing isn't delayed.
In some locations, additional types of insurance coverage might be necessary. Talk to your lender about insurance requirements well before the closing date.

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CAN I EXCEED THIS RATIO?

You may qualify to exceed if you have:

a large down payment

a demonstrated ability to pay more toward your housing expenses

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As Baltimore's demographics have changed since World War Two, its cultural flavor and accents have evolved as well.