Harwood in North Baltimore is an affordable neighborhood just a one-mile walk from Penn Station. Harwood is part of Baltimore's Healthy Neighborhoods program, which offers special loans on designated target blocks within the community. Harwood consists primarily of brick rowhouses along mostly east-west streets. Barclay Street, a north-south thoroughfare the divides the neighborhood in half, also creates divisions in housing style. Harwood has two small neighborhood parks and a community garden. Harwood is part of Baltimore's Healthy Neighborhoods program, which offers special loans on designated target blocks within the community. One of the most notable projects includes mosaic house numbers, mailboxes and signs throughout the neighborhood. The community's main welcome sign, located at 25th Street and Barclay Street, is made of mosaics, as are the majority of house numbers on the 300 blocks of 26th Street, East Lorraine Avenue and 27th Street. The artist, who lives in Harwood, has also completed a decorative mosaic mural over the entrance to The Barclay School, one of the neighborhood's public schools, and most recently another large sign for the neighborhoods 29th Street Community Center. Overall, Harwood emerges as a vibrant community with a focus on affordable living, artistic expression, and neighborhood improvement initiatives. The blend of historic rowhouses, green spaces, and artistic contributions enriches its appeal as a residential area within Baltimore. Qualifies for 30-year fixed rate mortgage with the rate fixed for the life of the loan, 4.49% interest rate No mortgage insurance, No points