Frederick Home Ownership

Get The Tools You Need to Buy or Sell a Home in Frederick Maryland

July Housing Minute

The continued shortage of new listings for sale pushed home prices higher in most of the state and led to declines in existing-home sales and contract signings in July.

In the local Frederick Real Estate market, the shortage of inventory has in part, led to multiple offers on homes that are in top condition and priced well for the market.

Demand continues to be strong in Frederick County, as a steady flow of home buyers enters the market every week.

Affordable Housing

REALTORS® are ideally situated to improve housing opportunities where they live. They are the first stop for the prospective home buyer or renter. Accordingly, REALTORS® at FCAR reach out to the Frederick Community through involvement in local affordable housing programs, to those who need greater access to quality, affordable home ownership and rental opportunities.

Through participation in the FCAR Affordable Housing Committee, Frederick REALTORS® help home buyers discover and utilize City, County, and State programs that provide opportunities for homeownership to those who otherwise might not have access.

Frederick County Association of Realtors®

Homebuyer Programs

City of Frederick

  • The city partners with the Maryland Community Partners Incentive Program (CPIP), providing income-eligible first-time homebuyers up to $5,000 to help purchase a home in the City of Frederick. CPIP is administered by the Frederick Community Action Agency.  Learn more about CPIP here.

Frederick County

  • The Homebuyer Assistance Program (HAP) is administered by the Frederick County Department of Housing and Community Development (DHCD). HAP provides up to $10,000 in downpayment/closing cost assistance. Read this Fact Sheet for details. Contact a local Realtor® for assistance.
  • Maryland Mortgage Program (MMP) provides down payment assistance in the form of a loan up to $5,000 and Partner Match Programs up to $2,500. Learn more about MMP here.
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The Value of A Realtor®

Do you know the difference between a REALTOR® and a Real Estate Agent? A REALTOR® is a member of the National Association of REALTORS®, NAR, and are held to a strict Code of Ethics. NAR’s Code of Ethics, adopted in 1913, was one of the first codifications of ethical duties adopted by any business group.

One of the most important things that sets REALTORS® apart from real estate agents is the REALTOR® Code of Ethics. The fact that REALTORS® live and work by a strict code of ethics lets buyers and sellers know that a REALTOR® is someone they can trust to help them with one of the most important transactions of their lives: buying or selling a home.

When buying or selling real estate, always look for the trademark R.


Your Credit Score

The Housing Authority of the City of Frederick has partnered with United Way of Frederick County to support the Prosperity Center. The mission of the center is to improved lives by creating a one-stop resource for community members to improve their financial knowledge, skills and stability. They offer access to a wide variety of services, including income supports, employment and education services, financial education, asset building services, and more. The Credit Cafe is a free event which offers personal credit counseling and practical tips on how to build and maintain a favorable credit score. Learn more on the HAC Frederick Website.

Find A Home


Wire Fraud is On the Rise

Buying and selling a home is an exciting time, but there can be pitfalls for unsuspecting consumers.

The American Land Title Association wants homeowners and sellers to be aware that criminals are using wire fraud schemes to steal money meant for home purchases or the proceeds from the sale of the property.

Watch this video for four tips to protect your money and advice for what to do if you’ve been targeted by a scam.

Homeowner Advocacy

Not only are Realtors® working with you, we’re also working for you. Every day, Realtors® are fighting for homeowners’ interests on Capitol Hill, at the Maryland General Assembly and right here in Frederick County. Our top priority is ensuring that federal, state and local policies help Frederick residents achieve the American Dream of homeownership.

Whether working to preserve the Mortgage Interest Deduction, preventing tax increases on home sales which make real estate less affordable, or stopping regulations which impact the enjoyment of your property, Realtors® want to help you protect the value of your biggest investment – your home.

Learn about our continuing efforts to protect homeownership on our blog.