Free 2027 Homebuyer's Guide
Buying your first home in Montgomery County in 2027? Start with the playbook.
An honest, local guide to Maryland first-time buyer programs, what you can really afford at today's rates, and how to win the house without overpaying. Includes my preferred lender's contact.
5.0★on Google · 100+ transactions · Licensed in MD, DC & VA · Pearson Smith Realty
Get the free guide ↓
Get the free 2027 guide
Tell me where to send it. You can download it instantly.
Buying your first home here is a big number with a lot of moving parts: programs with income limits, lenders quoting different rates, and listings that aren't always worth their price. Most first-time buyers figure it out the expensive way.
I put what I walk my own buyers through into one short, straight-talking guide. No hype. No pressure. Just what works in Montgomery County.
Inside the free guide
- Maryland and Montgomery County first-time buyer programs and down payment help, explained in plain English
- What you can really afford with rates near 7% — a payment you're comfortable with, not your max approval
- How to tell if a house is overpriced — and when I tell buyers not to buy
- Offer strategy that wins a lower price: earnest money, contingencies, and timing
- The under-contract roadmap: inspections, HOA docs, appraisal, closing costs, and Maryland transfer tax
- My preferred lender's contact — a mortgage broker who shops multiple lenders for you
Real result, October 2026
$30,000 under list for a first-time buyer in Montgomery Village. Listed $545,000 · bought $515,000 · comps $560–570K · ratified the same evening · 19 days to keys.
Read the case study →Questions buyers ask first
Is the guide really free?
Yes. Enter your email and you can download the full PDF right away. No credit card, no catch. You'll also get the occasional Montgomery County market update, and you can unsubscribe anytime.
Do I have to work with you to use it?
No. The guide is yours either way. If you'd like a second set of eyes on a house, a payment, or an offer, I'm happy to help — but there's no obligation.
Do I need to be pre-approved before I read it?
No. The guide walks you through when and how to get pre-approved, and what to compare between lenders. Plenty of readers are a year or more out from buying.
Is it only for first-time buyers?
It's written with first-time buyers in mind, but most of it — what to afford, how to spot an overpriced house, how to negotiate, what happens under contract — applies to move-up buyers too.
Edward Dumitrache, REALTOR® · Licensed in MD, DC & VA · Pearson Smith Realty · Ashburn, VA
(301) 357-1170 · [email protected] · Equal Housing Opportunity