Lydia Placid Real Estate

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Annapolis, MD
Lydia Placid Real Estate

Mortgage Lender

06/03/2026

It’s National Homeownership Month, so let me ask you something:

What’s ACTUALLY stopping you from buying a home? 👀🏡

For most people, the answer is: “The down payment.”

But what if that obstacle didn’t have to exist anymore?

Programs like this are helping buyers purchase homes with:
✔️ 0% down payment
✔️ Forgivable assistance loans
✔️ Help toward closing costs
✔️ Potential seller credits to reduce upfront expenses

For example: On a $749,000 home:
▫️ Standard FHA down payment = $26,215
▫️ PLUS closing costs

With this program? That down payment can potentially be fully covered.

There’s even an option for additional assistance toward closing costs too.

A lot of buyers are already financially ready to own a home, they just don’t realize there are programs designed to help them get there sooner.

So if your answer to “what’s stopping you?” is: “I don’t have enough saved.” Let’s talk first.

Your path to homeownership may look very different than you think 📩
Lydia Placid
🏡 Loan Officer & Real Estate Agent
📍 MD, DC & MA
📧 [email protected]
📱 202-706-8987

06/01/2026

June is National Homeownership Month 🏡✨

But instead of this being another post you scroll past, let’s actually talk about what could make homeownership possible for YOU.

Because so many people are still sitting on the sidelines thinking:
❌ “I need years to save.”
❌ “I don’t have a down payment.”
❌ “Buying a home just isn’t realistic right now.”

And honestly? That may not be true anymore.

With this loan program:
✔️ 0% down payment options are available
✔️ Forgivable down payment assistance may cover your entire FHA down payment
✔️ Additional assistance may help with closing costs too

Example: On a $749,000 home:
💰 Standard FHA down payment = $26,215 But this program can cover that through a forgivable assistance loan.

Meaning you could potentially buy with little to no money out of pocket.

So this Homeownership Month, instead of saying “maybe someday”, let’s start the conversation now.

Because you may be closer to owning a home than you think 📩
Lydia Placid
🏡 Loan Officer & Real Estate Agent
📍 MD, DC & MA
📧 [email protected]
📱 202-706-8987

05/29/2026

The down payment you’ve been stressing about? You may not need it. 👀🏡

One of the biggest reasons people delay buying a home is because they think they need a huge amount of cash saved upfront.

But with programs like this, buyers may be able to purchase with:
✔️ 0% down payment
✔️ Assistance toward closing costs
✔️ Limited to no cash out of pocket

For example: On a $749,000 home, a standard FHA loan would usually require:
💰 $26,215 down PLUS closing costs.

With this program? That down payment can be covered through a 100% forgivable assistance loan.

There’s also an option for additional assistance toward closing costs too.

Meaning the thing stopping you from buying may not actually be standing in your way anymore.

If you’ve been waiting until you have “more saved,” let’s have a conversation first.
You may be closer than you think 📩
Lydia Placid
🏡 Loan Officer & Real Estate Agent
📍 MD, DC & MA
📧 [email protected]
📱 202-706-8987

05/28/2026

If not having a down payment is stopping you from buying a home, it doesn’t have to anymore 🏡

One of the biggest misconceptions in real estate is that you need tens of thousands saved before you can even START the buying process.

But programs like this are helping buyers get into homes with:
✔️ 0% down payment
✔️ Potential seller credits toward closing costs
✔️ Limited to no upfront cash needed

Here’s an example:

On a $749,000 home:
▫️ A standard FHA loan would normally require $26,215 down
▫️ PLUS closing costs

With this program? That down payment can be covered through a 100% forgivable assistance loan.

There’s even an option for up to 5% assistance:
💰 3.5% toward the down payment
💰 1.5% toward closing costs

Which means buyers may be able to purchase with little to no money out of pocket.

A lot of people are closer to homeownership than they think, they just don’t know programs like this exist.

DM me “INFO” if you want to see whether this could work for you 📩

Lydia Placid
🏡 Loan Officer & Real Estate Agent
📍 MD, DC & MA
💸 Helping buyers secure loans across the US
📧 [email protected]

05/27/2026

How to afford your dream family home with no down payment 🏡✨

This home is listed at $629,900.

Normally, with a standard FHA loan, you’d need:
💰 3.5% down = around $22,047 PLUS closing costs.

But with this program?

That 3.5% can be covered through a 100% forgivable assistance loan.

Meaning:
✔️ $0 down payment
✔️ Potential seller credits to help with closing costs
✔️ Limited to no upfront cash needed

Need extra help with closing costs too?

There’s also an option for 5% assistance:
▫️ 3.5% toward the down payment
▫️ 1.5% toward closing costs

That could mean:
💰 Around $22,047 toward the down payment
💰 Around $9,448 toward closing costs

A lot of buyers are financially ready for a monthly payment, they just don’t have $30k+ sitting in savings.

That’s exactly why programs like this exist.

If you want to see what you may qualify for, send me a DM 📩

05/11/2026

The Best Time to Talk to a Lender Is Before You Think You Need One
Not after you found the dream home. Before.

Because once you are emotionally attached to a house, decisions get harder. Preparation gives you power.

It gives you: clarity, confidence, negotiation strength, faster decision-making abilities, and less stress.

The goal is never pressure. It is planning.
Even if buying is 6 months away, the earlier we talk, the better your strategy becomes.

Start before you think you are ready. That is usually when the best outcomes happen.

If you’re thinking about homebuying in 2026, now is the time to drop me a message to talk about your loan options!

05/04/2026

Licensed in Maryland, DC, AND Massachusetts 🏡

And no, that is not just a fun fact. It means my clients are not boxed into one zip code.

People relocate. Families grow. Jobs change. Opportunities shift. Sometimes your next move is across town. Sometimes it is across state lines.

Being licensed across multiple markets means I can help clients navigate both.

Whether you’re thinking about buying or selling in Maryland, DC, AND Massachusetts, I’d love to help you. Drop me a message and let’s talk about your options!

04/30/2026

How does 4.99% sound? 🏡

Whether you’re purchasing, refinancing, or looking for a loan option that can support rehab work too, this promotion could be a great opportunity to explore.

The program is open to buyers, but there may also be a special promotional rate available in selected areas.

If you’re a realtor, this could be a helpful option to share with clients who are looking for ways to make their next move more affordable.

Interested in learning more or seeing if you qualify? Contact me today to lock in this great purchase or refi rate.

04/17/2026

What it’s actually like to work with a mortgage lender 👇🏾

A lot of people delay this step because they assume it’s going to feel intimidating.

Hard credit pulls.
Pressure to commit.
Judgment about their finances.

In reality? It should feel nothing like that.

Working with a lender is meant to feel informative, not intense.
It usually looks like:

✔️ A real conversation about your goals and timeline.
✔️ A breakdown of what you can qualify for vs. what feels comfortable for you.
✔️ Honest answers about credit, down payment, and next steps.
✔️ Exploring options (not being pushed into one).
✔️ Clarity around numbers so you can plan confidently.

You don’t need perfect credit. You don’t need 20% down. You don’t even need to be ready to buy tomorrow.

Sometimes the smartest first move is simply understanding your position, so when the right home comes along, you’re prepared instead of panicked.

The mortgage process should feel calm, strategic, and supportive from day one.

If you’ve been putting off that first conversation, DM me “START” and I’ll help you take it one step at a time. 🏡✨

04/15/2026

Your credit score can make or break your home-buying journey, but you have more control over it than you think.

It affects:
➖ Whether you qualify.
➖ Your interest rate.
➖ Your monthly payment.
➖ And how competitive your offer looks.

If buying a home is even remotely on your radar this year, start here:
✔️ Check your credit report for errors (you get one free annually).
✔️ Pay down credit cards and keep balances low.
✔️ Avoid opening new accounts before applying.
✔️ Don’t finance furniture or appliances before closing.
✔️ If you’re rate shopping, do it within a short window.
✔️ Give yourself time, credit improves with consistency.

Small, strategic moves now can save you thousands later.

And if you’re not sure where you stand or what your next step should be, DM me “CREDIT”, I’ll point you in the right direction. 🏡

Address

2530 Riva Road
Annapolis, MD

Website

https://wesbancobank.mymortgage-online.com/LydiaPlacid.html?_ga=2.79401556.1535703058.1643376712-2033078344.1643376712

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