is available in less than an hour, at no cost and with no application to fill out. Low- to moderate-income families can earn up to 10 percent of the purchase price of their new home and never have to repay the money. The program is open to all homebuyers without regard to income, property price, or first-time ownership. Furthermore, the Harford Food Bank does not require the homebuyer to put money down or have cash reserves in order to qualify for gift funds. Homestead Trust, 3450 Ellicott Center Drive, Ellicott City, MD 21043, 410-480.1967

Visit: www.homesteadtrust.org/

is available in less than an hour, at no cost and with no application to fill out. Low- to moderate-income families can earn up to 10 percent of the purchase price of their new home and never have to repay the money. The program is open to all homebuyers without regard to income, property price, or first-time ownership. Furthermore, the Harford Food Bank does not require the homebuyer to put money down or have cash reserves in order to qualify for gift funds. Homestead Trust, 3450 Ellicott Center Drive, Ellicott City, MD 21043, 410-480.1967

Visit: www.homesteadtrust.org/