First Time Buyers

Accredited Buyer's Representative Designee

What You Need to Know

 Purchasing your first home can be a very exciting, yet worrisome time for most first time buyers.  Allow me to assist you with your first purchase and I will guarantee that you will be comfortable and aware of all aspects of your first transaction.  I am here to assist you with finding the perfect starter home and get you more bang for your buck.  I will personally walk you through each step of the transaction: from the pre-approval stage, contract, home inspections, appraisal, to the closing of your first home.

If you need closing and down payment assistance, you may qualify for one of our many grants to assist with these customary closing costs.  I have closed on many first time home buyer purchases where the purchaser came to the settlement table with just a smile and no out-of-pocket cash!!!  Allow me to assist with your first purchase and I will ensure a smooth and stress-free transaction. 

First Time Home Buyer Grants



FHLB Grant

Available Now for First Time Home Buyers

Receive up to $5,000 towards closing costs and Your down payment.


How it Works

The purchaser contributes a minimum of $500 toward the purchase of his home.  FHLB will then match it up to 5 times.  To receive the full benefit of the $5,000 grant the purchaser must contribute $1,500, which can be used in the form of an earnest money deposit, appraisal, home inspection, etc.


Eligibility Requirements

-Must be a First Time Home Buyer (cannot have owned a home within the past three years)

-Must be at or below 80% of the area median income  you are purchasing in (this is adjusted per family size)

-Must Contribute at least $500

-Must Complete Simple Home Buyer Counseling


 *Funds are Limited and Granted on a First Come, First Served Basis*

Don't Delay!  Contact Matthew Smoot now and Get Enrolled! 443-504-8930

*Other Programs also Available...Just Ask*

Matthew T. Smoot (ABR, SFR, CDPE, CSP)
Your "Whatever it Takes" REALTOR
The Exit Express Team
"Express Service, Express Results"
Associate Broker of Exit Preferred Realty
443-504-8930 (cell)
410-670-9100 (office)
410-670-9151 (e-fax)
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Matt is an awesome agent; he was a pleasure to work with. I listed my home with Matthew in September and he was very informative and reassuring about the entire process. After a terrible experience in 2007 with another agency I was hesitant to begin the process again, especially with the state of the economy. Matthew went above and beyond to keep me informed and comfortable throughout the entire process. He also returned all calls and e-mails the same day. At the end of October I received two contracts on my home and he helpmed me make an educated decision about which to accept. Matthew was also present at all of the inspections during the selling process and kept close contact with the buyer's agent. We closed on the sale right before Thanksgiving. Matthew is an excellent agent and I was extremely happy with my entire selling experience. I will definitely refer him to friends and family and will use his services again when the need arises. Jennifer Burns (Middle River) 2010
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