Hagerstown Home Store

What Hagerstown Home Store does

Hagerstown Home Store is a 501(c)(3) nonprofit housing counseling organization operated by Hagerstown Neighborhood Development Partnership, Inc., founded in 2006 and headquartered at 21 East Franklin Street in Hagerstown, Maryland. The organization is HUD-certified as a housing counseling agency and delivers services exclusively to Washington County, Maryland residents, with selective paid counseling available to non-county residents. Its core offerings are the free "You Can Be a Homeowner" three-hour workshop, confidential one-on-one housing counseling (credit review, budget creation, home price range determination), foreclosure prevention counseling, and landlord-tenant resources. It administers or connects clients to down payment and closing cost assistance programs including the Community Partners Incentive Program (CPIP, up to $6,000), the Maryland Mortgage Program, and the DSELP zero-interest loan program, and publishes a content library covering fair housing, security deposits, and federally assisted housing.

The business model is a hybrid of public funding, philanthropic donations, and minimal service fees. Primary revenue comes from government grants — HUD, Maryland DHCD, and the City of Hagerstown — supplemented by donations from regional banks (CNB, Fulton, MVB, AmeriServ, Trust Home Financial, AP Mortgage/Clark Team), the Kershner Sisters Foundation, and individual donors. Service-based revenue is limited: a $35 credit report fee per person for Washington County counseling clients and a $75 fee (plus credit report) for non-Washington County residents, effective January 1, 2026. The go-to-market is community-led and referral-driven, with workshops promoted through partner lenders, realtors, home inspectors, social service agencies, and government housing programs, supported by a WordPress website and organic social media presence on Facebook, Instagram, and LinkedIn. The technology layer is minimal — no proprietary platform, no mobile app, and no disclosed data assets — and the website's impact counters currently display zeros, indicating limited operational telemetry.

Name

Hagerstown Home Store

Legal name

Hagerstown Neighborhood Development Partnership, Inc.

Website

https://hagerstownhomestore.org

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

Hagerstown Home Store is a 501(c)(3) nonprofit and HUD-certified housing counseling agency providing free homebuyer education, one-on-one counseling, foreclosure prevention, and landlord-tenant resources to Washington County, Maryland residents, funded primarily by HUD, Maryland DHCD, and the City of Hagerstown.

Ownership category

akta.pro rank

Product category

Nonprofit Housing Counseling Services

NAICS

Other Community Housing Services (624229)

SIC

Services-To Dwellings & Other Buildings (7340)

akta.pro primary industry

Public & Affordable Housing Programs (Subsidies, Vouchers, Public Housing) (BPAIANAA)

akta.pro secondary industry

Fair Housing, Compliance & Housing Program Oversight (FSALAKAN)

Keywords

• Housing counseling services
• Homebuyer education workshops
• Down payment assistance
• Foreclosure prevention counseling
• Landlord tenant resources

Headquarters

HQ city

Hagerstown

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Government Funding: Primary revenue from federal, state, and local government sources including U.S. Department of Housing and Urban Development (HUD), State of Maryland DHCD, and City of Hagerstown.
2. Donations and Contributions: Private donations from individuals and organizations including banks, foundations, and community partners who support the homeownership mission.
3. Service Fees: Minimal fees for specific services: $35 credit report fee per person for Washington County residents meeting one-on-one with housing advisor; $75 one-on-one counseling fee plus credit report costs for non-Washington County residents.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Hagerstown Home Store is a HUD-certified nonprofit housing counseling organization that delivers free and low-cost homebuyer education (the "You Can Be a Homeowner" workshop) and confidential one-on-one housing counseling covering credit review, budgeting, and mortgage preparation. It also administers down payment and closing cost assistance (Community Partners Incentive Program up to $6,000, DSELP loans at 0% interest) and provides foreclosure prevention, fair housing, and landlord-tenant resources to Washington County, Maryland residents.

Product overview

Hagerstown Home Store is a nonprofit housing counseling organization operated by Hagerstown Neighborhood Development Partnership, Inc. It offers a unified suite of free and low-cost housing services centered around its HUD-certified housing counseling program. The core offerings include the 'You Can Be a Homeowner' workshop and one-on-one counseling sessions, supplemented by down payment assistance through the Community Partner Incentive Program (CPIP) offering up to $6,000, and the DSELP zero-interest loan program. Additional services include foreclosure prevention counseling, fair housing information, landlord-tenant resources, and lead paint safety information. The organization connects clients with Maryland Mortgage Program products and various federal, state, and local homeownership programs.

Differentiator

Problem solved

Functional benefit

Products and services

• You Can Be a Homeowner Workshop Free 3-hour homebuyer education workshop covering steps to prepare for home buying, working with Realtors and Mortgage Lenders, the importance of home inspections, homeowner's insurance, budgeting, and ongoing home maintenance. Available in person and online to Washington County residents and the broader public.
• One-on-One Housing Counseling Sessions Confidential personalized session with a HUD-certified housing advisor reviewing the client's credit report, identifying issues to correct before mortgage application, determining affordable home price range, building a household budget, and identifying programs available to help buy a home. Free for Washington County residents; $75 fee plus credit report costs for non-county residents.
• Down Payment Assistance (Community Partners Incentive Program, CPIP) Financial assistance program providing up to $6,000 for down payment and closing costs to home buyers in the City of Hagerstown, funded by the City of Hagerstown and administered through the Home Store's HUD-certified counseling pipeline. Completion of homebuyer counseling is required to access the funds.
• Foreclosure Prevention Counseling Post-purchase counseling that helps homeowners in financial difficulty communicate with their lender, assess options such as loan modification, Maryland foreclosure mediation, or federal Homeowner Assistance Fund (HAF) relief, and build a plan to avoid foreclosure.
• DSELP (Downpayment and Settlement Expense Loan Program) Zero-interest loan program offered to borrowers using the Maryland Mortgage Program, with a maximum loan amount of $6,000 and repayment deferred until the property is sold, transferred, or the mortgage is prepaid.
• Landlord-Tenant Resources and Publications Reference publications including the Washington County Tenant-Landlord Handbook, Security Deposit Brochure, Fair Housing Guide, and Federally Assisted Housing Directory; covers landlord education, tenant rights, security deposit laws, and fair housing compliance for the Washington County market.
• Homebuyer Counseling Certificates Formal certification of completion of HUD-approved homebuyer education and counseling, accepted by many mortgage and loan programs (including Maryland Mortgage Program products) as required proof of homebuyer counseling.
• Fair Housing Information and Consultations Information and consultations on Fair Housing laws addressing prohibited discrimination based on race, color, religion, sex, handicap, familial status, and national origin, delivered to renters, landlords, and community partners in Washington County.
• Lead Paint Information Services Educational information on lead paint hazards for homebuyers, renters, and landlords in Washington County as part of the organization's broader housing safety mission.

Quantifiable outcome

• Up to $6,000 in down payment and closing cost assistance through Community Partners Incentive Program (CPIP)
• +3 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Maryland Mortgage ProgramcoreStrategic or Co-development Partner · 1 January 2021State-administered mortgage program offering below-market interest rates, no down payment requirements, and access to DSELP closing cost assistance. The Hagerstown Home Store serves as approved housing counselor for MMP applicants.
• Community Partners Incentive Program (CPIP)coreStrategic or Co-development Partner · 1 January 2021Joint initiative between Hagerstown Home Store and State of Maryland providing up to $6,000 in down-payment and closing cost assistance to City of Hagerstown home buyers who complete housing counseling.

Scale indicators3 records

Recent moves2 records

Expansion highlights5 records

Direct peers

• Money Management International: National HUD-approved credit and housing counseling nonprofit offering pre-purchase counseling, foreclosure prevention, and reverse mortgage counseling. Directly comparable service mix for first-time homebuyers and distressed homeowners.
• HomeFree-USA: National HUD-certified nonprofit housing counseling agency with focus on homeownership education for minority and underserved first-time buyers, including down payment assistance program referrals. Directly comparable mission, services, and HUD-certified delivery model.
• GreenPath Financial Wellness: National HUD-approved housing counseling agency providing homebuyer education, foreclosure prevention, and credit counseling. Directly comparable as a HUD-certified nonprofit delivering the same core counseling services, but at national scale.
• ClearPoint Credit Counseling Solutions: Nonprofit HUD-approved housing counseling agency offering pre-purchase homebuyer education, foreclosure prevention, and reverse mortgage counseling. Comparable for its focus on financial counseling and housing readiness services.
• Neighborhood Housing Services of Baltimore (NHS Baltimore): Maryland-based community development nonprofit providing homebuyer counseling, foreclosure prevention, and down payment assistance in partnership with state and local government. Closest geographic and mission comparable to Hagerstown Home Store.

Broad incumbents

• NeighborWorks America: National network supporting hundreds of HUD-certified housing counseling and community development nonprofits, including local NeighborWorks members. Directly comparable as the umbrella for the type of mission and certification model Hagerstown Home Store operates under.
• National Foundation for Credit Counseling (NFCC): National membership organization for HUD-approved credit and housing counseling agencies. Operates a broader portfolio of services across multiple geographies and is comparable as a network/incumbent connecting clients to certified counselors.

Others

• Maryland Department of Housing and Community Development (DHCD): State agency that funds Hagerstown Home Store and administers the Maryland Mortgage Program, DSELP, and other homeownership programs the nonprofit connects clients to. Comparable as the principal state-level counterpart governing and funding the services Hagerstown delivers.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/HagerstownHomeStore
• LinkedInlinkedin.com/company/hagerstown-neighborhood-development-partnership-inc-
• Instagraminstagram.com/hagerstownhomestore

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Hagerstown Home Store