Your First Home in
Maryland is Within Reach
You have never done this before. That is completely okay. We have guided over 80 first-time buyers through this exact process and we will guide you too.
You Are in the Right Place If…
- You have never owned a home before and do not know where to begin
- You have not owned a home in the last three years
- You are buying in Maryland for the first time
- You want someone to walk you through every step without any assumptions
What Makes First-Time Buying Different
Buying your first home involves decisions you have never made before — about loan types, down payment sources, inspection contingencies, and closing costs. Most buyers do not know what they do not know, and that is where mistakes happen.
At CAST Realty MD, we start with education before we ever show you a home. By the time you tour your first property, you will already understand what a competitive offer looks like, what the inspection is checking for, and what you will need to bring to the closing table.
Programs Available to You
Maryland Mortgage Program (MMP)
State-sponsored 30-year fixed mortgages at competitive rates, often paired with down payment assistance. Available to first-time buyers meeting income and purchase price limits.
Maryland HomeCredit Program
A Mortgage Credit Certificate that gives you a federal tax credit of up to 25% of your mortgage interest paid each year for the life of your loan.
Down Payment Assistance
Multiple county and state programs offer grants and deferred loans for down payment and closing costs. Brenda helps you identify every program you qualify for.
FHA, USDA & VA Loans
Government-backed loan programs with lower down payment requirements. FHA starts at 3.5%, USDA and VA offer zero down in eligible areas.
Things Buyers Ask Us Most
What credit score do I need?
Most conventional loans require 620 or above. FHA loans can go as low as 580 with 3.5% down. If your score needs work, we help you build a plan to improve it before you apply.
How much do I need saved?
Down payment can be as low as 0% to 3.5% depending on the loan. Closing costs typically run 2 to 5% of the purchase price. Maryland assistance programs can help cover both.
How long does the whole process take?
Our guided process runs 6 to 12 months from your first conversation to closing day.
Do I need a real estate agent?
As a buyer, working with an agent costs you nothing — the seller pays the commission. Having the right agent means having someone whose job is to protect your interests.
What if I cannot afford a home right now?
That is exactly why we start with a free consultation. We build a realistic plan so you know what to work toward and when you will be ready. No pressure, no judgment.
What areas of Maryland do you cover?
We serve all 24 Maryland counties. Wherever you are looking to buy in Maryland, CAST Realty MD can guide you there.
Brenda Kasuva specializes in first-time buyers.
With over 80 clients guided from first conversation to closing, Brenda knows exactly what first-time buyers need to hear, what to watch out for, and how to make the process feel manageable.
Tell Us About Your Situation
No commitment, no pressure. We will reach back out within one business day.