To Get pre-approved contact Curt at challjr@monarchmtg.com . The program allows local families with limited resources to purchase their first home with the help of the Neighborhood Conservation Initiative Program! These down payment funds don't last long so act NOW!! Get Your Down Payment Assistance Loan Now What is the max loan? What are the terms? What are the guidelines? How do I apply and get pre-approved? We will cover all of the above!

1. Frederick County Down
Payment Assistance Program!
Neighborhood Conservation
Initiative Program. Let us show you
how to obtain up to $20,000 for a
Down Payment/Closing Cost!!

2. Step 1 – Need Cash to Buy a Home?
Frederick County Maryland has several Down
Payment Assistance Programs available. (DPA)
Today we are going to discuss the
Neighborhood Conservation Initiative Program.
This program provides Down Payment / Closing
Costs assistance up to $20,000.

3. Step 2- What is the program?
The program allows local families with limited
resources to purchase their first home with the
help of the Neighborhood Conservation
Initiative Program!
What is the max loan?
What are the terms?
What are the guidelines?
How do I apply and get pre-approved?
We will cover all of the above!

4. Step 3 – Check out these details
1) The Max Loan Amount $20,000
2) 0% Deferred Interest – No monthly Repayment
3) Loan is required to be paid back with the sale
of the property or it no longer is a primary
residence.
4) Must be a primary home purchase

5. Step 4 – Eligibility Criteria
1) Must be a 1st Time Home Buyer OR you have
not owned a home within the last 3 yrs prior.
2) There is a Max Income allowed – Contact us
for details. (EX- 2 person - $103,000)
3) Purchase an existing home in ZIP code area
21701, 21702, 21703, 21704, 21716, 21758,
21788, & 21793
4) 8 hrs of Home Buyer Education is required

6. Step 5 – Eligibility Criteria
5) Property must have Home Inspection done &
a Home warranty prior to settlement.
6) Buyer MUST currently Live or work in
Frederick County
7) This program can be used with FHA, VA,
USDA and Conventional Financing programs

7. Step 6 – How To Apply?
1) You must reach out to an Approved Lender (us)
and have the lender review your income & credit
for eligibility and pre-approval.
2) Go to www.MonarchBank.com/chall -- Click
apply now. This is FREE – No cost at this time.

8. Step 7 – How to Apply
3) You of course can contact Curt Hall
directly on his cell number between
9 AM / 7 PM – Mon - Sat
You want a copy of our FAQ regarding this
program. Email me – challjr@monachmtg.com

9. CONGRATS YOU’RE
ALMOST THERE!
Get To The Top!
Let Curt unlock the mystery to homeownership!
Call Curt Now and let him help you to the top!
Ask Curt about the other Frederick County program
that has a max loan amount of $20,000!
Challjr@monarchmtg.com
Cell – 301-788-2982
NMLS # 209087

10. Homeownership is within reach!
CONTACT
CURT HALL (NMLS # 209087)
Loan Officer (16+ yrs)
Fitzgerald Financial Group a
Division of Monarch Bank
5300 Westview Drive #307
Frederick, MD 21703
“Making Home Buying Dreams Come True!”
www.monarchbank.com/chall
challjr@monarchmtg.com