Benefits of Homeownership

Benefits of Homeownership


Renting vs. Owning

Enjoy the ability to live the way you want to live! Homeownership offers many advantages for you and your family, here’s a few of the benefits:

BenefitsOwning with Reward HomesRenting
Energy efficiency
Tax Benefits
Build your own equity
No Rent Increases—Fixed Monthly Payments
Be your own landlord
Privacy – No neighbors above or below
Paint walls any color you’d like
New appliances and mechanical systems
Any pets are welcome -- No pet fees
Dedicated parking in your own garage
You can REWARD Yourself

You can REWARD Yourself

If you’re currently renting, or even if you’ve purchased a home before, you may be wondering if buying a new home is possible. A common misconception is that you need a large down payment, however with today’s variety of financing programs many buyers are able to move in with little to no money down.  Our lenders are available to discuss your finances and find a mortgage program that is comfortable for you. If your credit isn’t perfect, we can discuss the options available and make recommendations to improve your score quicker.  We’re here to answer your questions, walk you through the process and help you achieve the reward of homeownership.

Be a Star!

Our Reward Homes Star Program offers members exclusive benefits throughout the homebuying journey—you’ll even get more cash to put toward your new home!  

Reward Star members receive:

  • Complimentary Pre-Approval to help you determine how much home you can afford
  • New Homebuyer Consultation to answer all your questions about buying a new home
  • Credit Analysis, as needed, providing expert guidance to help improve your credit score and identify loan programs to best suit your needs
  • Closing Incentive – We provide cash to help cover your closing expenses!

Join the program and become one of our “Stars” today!  Contact one of our Preferred Lenders below to get started.

Be a Star!
Get Pre-Approved

Get Pre-Approved


Justin Kozera
Justin Kozera, Market Leader
NMLS ID: 1446275
Phone: (443) 789-4140
Address: 5700 Coastal Highway Suite 200 Ocean City, MD 21842
Apply Now
Patrick Moylan

Bay Capital Mortgage

Patrick Moylan, Vice President
NMLS ID: 175345
Phone: (410) 458-3273
Email: patm@baycapitalmortgage.com
Address: 2553 Housley Road Suite 200 Annapolis, MD 21401
Apply Now
Jamison Mullen

First Home Mortgage

Jamison Mullen, Branch Manager
NMLS ID: 351146
Phone: 410.571.2020
Address: 900 Bestgate Rd. | Suite 310 | Annapolis, MD 21401
Apply Now