Healthy Neighborhoods oversees a $40 million private loan
fund and provides special below-market loans to homebuyers
and homeowners in Baltimore City to encourage investment and standard-setting renovation. Healthy Neighborhoods provides four innovative loans to eligible borrowers. 

For a list of loan pool lenders who have contributed to this fund, click here.

PURCHASE AND RENOVATE

Buying a home in one of Baltimore's Healthy Neighborhoods? Healthy Neighborhoods offers a loan to help you purchase and renovate your new house on Healthy Neighborhoods target blocks. What's in it for you? A below-market interest rate, free design advice, no private mortgage insurance requirement and more. What's in it for us? We get new neighbors invested in keeping Baltimore beautiful!  

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SPECIAL PURCHASE 

The special first mortgage loan is available to home buyers who will purchase formally
vacant homes in Belair-Edison developed by St. Ambrose Housing Aid Center and other formerly vacant homes developed by Healthy Neighborhoods approved developers.

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REFINANCE AND RENOVATE

Already live in a Healthy Neighborhood? We can refinance your existing mortgage and lend you additional funds to update your home on a target block.  

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HOME IMPROVEMENT

If you live within the boundaries of a Healthy Neighborhood but not on a target block, we offer this loan to help you complete some renovation to your home. You can borrow between $5,000 and $40,000 to build a chef's kitchen, put in a spa bathroom, update outdated windows, upgrade with new mechanical systems--whatever your home deserves and you desire. 

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WELCOME TO OUR NEIGHBORHOOD

To thank borrowers of the Healthy Neighborhoods Loan Pool for their commitments to Baltimore and their neighborhoods, the Joseph and Harvey Meyerhoff Family Charitable Funds and Healthy Neighborhoods, Inc. are offering free and discounted memberships and admissions to some of the city’s greatest cultural and arts institutions and attractions. The Welcome to Our Neighborhood program will only be available for a limited time to eligible borrowers of the Healthy Neighborhoods Loan Pool. 

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