When I chose my mortgage program through my National City Mortgage salesman in the fall of 2007, I did so believing that the grant I was getting from the state of Maryland (for being a first-time homebuyer, having a qualifying income and buying in Baltimore City) was to be forgiven at 1/3 per year for three years and that if I sold before 3 years were up, I'd pay back the balance. Oh, No, not true. I do have the paper he showed me, but I put my signature on the next page, which says I owe it all back for selling at any time up to 4 years after purchase. Bogman, the servicing company, says I have no recourse, and I am sure I don't. read full review »