Terms of Service

By accessing or using downpaymentmd.org, you agree to be bound by these Terms of Service. If you do not agree, please do not use this site.

This site provides general information about Maryland down payment assistance programs and connects prospective home buyers with a licensed mortgage professional. Nothing on this site constitutes mortgage advice, a loan commitment, or a guarantee of program eligibility or approval.

Use of this site, submission of a question or inquiry, or any communication with Ami Desai through this platform does not guarantee approval for a mortgage loan, a specific interest rate, or any particular loan terms. All loans are subject to credit approval, underwriting review, and applicable program requirements at the time of application.

We make reasonable efforts to keep program information current, but Maryland DPA program availability, income limits, and assistance amounts change without notice. Information on this site should not be relied upon as a complete or final statement of any program's requirements or benefits. Confirm all details with a licensed mortgage professional before making any financial decision.

You agree not to submit false or misleading information through this site, attempt to access any portion of the site that is not intended for your use, or use this site for any unlawful purpose.

This site may contain links to third-party websites, including the NMLS Consumer Access database. We do not control third-party sites and are not responsible for their content or privacy practices.

To the fullest extent permitted by law, downpaymentmd.org and Ami Desai shall not be liable for any indirect, incidental, or consequential damages arising from your use of this site or reliance on any information provided here.

These Terms are governed by the laws of the State of Maryland without regard to its conflict of law provisions.

We may update these Terms at any time. The "Last updated" date reflects the most recent revision. Continued use of the site constitutes acceptance of the current Terms.

Questions about these Terms may be directed to:

Ami Desai | 201 International Cir, Cockeysville, MD 21030 | (443) 375-2279