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As of 2005, the population of Baltimore City was 641,943 and the Baltimore Metropolitan Area (MSA) had approximately 2.

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WHAT IS A 203(k) LOAN?

This is a loan that enables the homebuyer to finance both the purchase and rehabilitation of a home through a single mortgage. A portion of the loan is used to pay off the seller's existing mortgage and the remainder is placed in an escrow account and released as rehabilitation is completed. Basic guidelines for 203(k) loans are as follows:

The home must be at least one year old.

The cost of rehabilitation must be at least $5,000, but the total property value - including the cost of repairs - must fall within the FHA maximum mortgage limit.

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The 203(k) loan must follow many of the 203(b) eligibility requirements.

Talk to your lender about specific improvement, energy efficiency, and structural guidelines.


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Clean the house meticulously. Take time to make bathrooms shine, clean the windows, and scrub kitchen appliances. Remember under the sinks!