Cheryl Kincaid

06/12/2026

Knock, knock!✊ Who’s there? House. House who? House about we close a deal together?!😁 
 
Knock, knock, knocking on a door near you!  
 
 
 
 

06/03/2026

👏👏👏Pathway to homeownership! Want to know more? Reach out and I’ll put you in touch with a qualified lender!

Maryland Department of Housing and Community Secretary Jake Day today announced that the Department has expanded the state’s landmark Maryland SmartBuy initiative, the Maryland Mortgage Program’s loan product for first-time homebuyers to purchase a home and pay off student debt. To help manage purchase costs, eligible homebuyers can now receive up to $25,000 in student loan payoff assistance – a 25% increase from the current $20,000 limit.

Maryland SmartBuy 3.0 enables qualified borrowers with student debt to purchase an eligible home in Maryland using conventional financing through the award-winning Maryland Mortgage Program. The Maryland SmartBuy program was created to make home purchasing more affordable for first-time homebuyers by eliminating eligible student loan payments.

When paired with downpayment assistance, the increase of student loan payoff assistance brings the average total aid to $40,000 for homebuyers earning below 50% of the Area Median Income, and slightly over $30,000 for all other Maryland Mortgage Program applicants. Eligible borrowers must meet all Maryland Mortgage Program underwriting requirements and must have a minimum remaining student loan balance of $1,000, with a maximum eligible payoff amount equal to 15% of the home purchase price or $25,000, whichever is lower.

The announcement of the program expansion marks the start of National Homeownership Month in June, which celebrates the impact of homeownership on families, neighborhoods and communities. Learn more about this expansion and MMP here: https://bit.ly/4okHL8t

05/31/2026

✨Confidence isn’t walking into a room believing you’re better than everyone else. It’s walking in knowing you don’t need to compare yourself to anyone at all.

The most successful people aren’t always the loudest, the smartest, or the luckiest. They’re the ones who keep showing up, trust their abilities, and believe they’re worthy of the opportunities in front of them.

Believe in yourself before the world gives you a reason to. Bet on yourself when no one else does. Success has a way of finding those who refuse to quit on their own potential.

Dream big. Work hard. Stay confident. The life you’re building is worth it.✨