http://davemelka1.point2homes.biz/blogs/dave_melka/archive/2008/01/30/10-000-free-money-available-to-harford-county-maryland-first-time-home-buyers.aspxHarford County SELP First Time Home Buyers Settlement Expense Loan Program The primary purpose of the Settlement Expense Loan Program (SELP) is to encourage first-time homebuyers to consider homeownership in existing residential communities in HarfordenCommunityServer 2.1 SP1 (Debug Build: 61019.2)