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18757 Mesa Terrace
Hagerstown, MD 21742
Love the home. Let’s talk payment. Two ways in: $0 down payment options, or special financing with rates starting as low as 3.99% for qualified buyers. Call Liz at (301) 401-3021.
83 days on market · as of Nov 8, 2026 · Full RV hookups · 2-car garage · No HOA
Section 1 — Lowest Payment: The 3-2-1 Buydown
A seller-funded temporary buydown, structured into a creative offer. Your payment starts low and steps up once a year for three years. Subject to an acceptable offer, seller agreement and lender approval.
3.99% Year 1 payment rate* · $1,590.02/month principal & interest
| Period | Payment rate* | Monthly P&I |
|---|---|---|
| Year 1 | 3.99% | $1,590.02 |
| Year 2 | 4.99% | $1,787.99 |
| Year 3 | 5.99% | $1,997.06 |
| Years 4–30 | 6.99% | $2,216.21 |
Taxes, insurance, HOA and mortgage insurance are additional.
How the scenario is built
- Creative offer price: $351,000 (list price $336,000 + buydown funding).
- 5% down: $17,550 · Loan: $333,450 · 30-year fixed at a 6.99% note rate.
- Buydown funding requested: $15,000 (estimated buydown cost $15,283).
- Comparison payment: $2,177.51/month at 7.25% on the $319,200 base loan (95% of the $336,000 list price).
APR 7.210% — The 3-2-1 buydown scenario above carries a 6.99% note rate with 7.210% APR. Based on an 800 credit score, 5% down payment, first-time homebuyer. Rates as of November 8, 2026. Rates subject to change without notice.
Section 2 — $0 Down, 100% Financing
For qualified buyers. Two paths to buy this home with no down payment of your own, plus an option for eligible veterans. Paul will check which path fits you.
- Path 1 — Maryland Mortgage Program (MMP) assistance: buy with $0 down if your income qualifies. MMP assistance can cover your down payment, so qualified buyers can get in without saving a down payment first. Best first check for buyers whose income falls within program limits.
- Path 2 — Creative 100% financing, NO income caps: income too high for MMP? Creative 100% financing options with no income caps, for qualified buyers.
- VA buyers: $0 down, no income cap, for qualified buyers with VA eligibility.
Seller help may also apply with an acceptable offer. Talk to Liz and Paul about how an offer can be structured for this home.
Why This Home Stands Out
- Full RV hookups with a 60-ft extended driveway — bring the RV home instead of paying for storage.
- Brick ranch twin, built 2004 — 3 beds, 2 baths, 1,520 sq ft on 0.17 acres.
- 2-car garage and a covered front porch in Mission Hills, Hagerstown 21742.
- No HOA — one less monthly cost to carry.
- At 83 days on market with no price cut yet, terms can matter as much as price.
How the Creative Offer Works
See the house and the neighborhood in person.
Go through the 3-2-1 buydown and the $0-down paths for this house, line by line.
The financing is structured into the offer, subject to an acceptable offer, seller agreement and lender approval.
Two Flyers for This Home
One for each path. Open either full size or save it to share.
