Tobe Frierson DickersonREALTOR®, Licensed Real Estate Salesperson, Maryland
Keller Williams Gateway|Brokerage office Office 443.318.8800 EQUAL HOUSINGOPPORTUNITYREALTOR®
HOMESWITHTOBE Tobe Frierson Dickerson | Keller Williams Gateway

Maryland REALTOR® with Keller Williams Gateway

Where you're meant TO BE.

Buying your first home, selling the one you've loved for years, or making a PCS move, Tobe Frierson Dickerson guides every step with a clear plan and honest advice.

  • Buyers
  • Sellers
  • Military & VA

For buyers

Your first door, opened with a plan.

From pre-approval to keys, Tobe explains every step, connects you with trusted lenders, and helps you tap Maryland programs built for first-time buyers.

Explore buyer programs

For sellers

Show your home in its best light.

Pricing grounded in local sales, staging guidance, and marketing that makes buyers feel at home before they ever walk in.

What's my home worth?

For military families

Home, at last.

As the wife of a 22-year Army veteran, Tobe knows what a move means for military families, and connects you with lenders who know VA financing.

Start a conversation

One agent. Every step.

Hands passing a brass house key across the threshold of a black front door

Buyers

Buy with confidence

A clear game plan, trusted lender introductions, and help accessing Maryland down payment programs, so your first offer is a strong one.

See first-time buyer programs
A staged living room with ivory walls, walnut floors and brass accents

Sellers

Sell for what it's worth

Data-driven pricing, staging guidance, professional photography and steady communication from listing day to closing table.

Request a home value
Moving boxes and a pair of military boots in the sunny entry of a new home

Military & VA

Serve, move, settle in

A military spouse's understanding of PCS timelines, plus connections to lenders who know VA financing inside and out.

Plan your move
Search live Maryland listingsBrowse current Maryland listings on Tobe's Keller Williams site

Thinking about selling?

What's my home worth?

Online estimates miss what makes your home yours. Tobe prepares a personal comparative market analysis using recent nearby sales, condition and upgrades, then walks you through it. No cost, no pressure.

A walnut house model and a brass key on black marble in warm light
  • 1Recent nearby salesHomes like yours that have sold close by.
  • 2Current competitionWhat buyers can choose from right now at your price point.
  • 3Your home's condition and upgradesThe details an online estimate can't see.
  • 4A pricing strategyA recommended range and how to position your home, walked through together.

First home in Maryland?

Money you may not know you qualify for

Maryland offers real help with down payments, closing costs and even student debt. Tobe walks you through which programs fit your situation and introduces you to participating lenders.

Statewide & Montgomery County

Researched October 29, 2026
  • Statewide

    MMP 1st Time Advantage

    $6,000 or 3 to 5%

    Down payment and closing cost help paired with a Maryland Mortgage Program first loan. A 0% deferred second loan, not a grant.

    640+ credit · first-time buyer or approved exception
  • Income-based

    MMP HomeStart

    6% of first loan

    A larger share of help for households at or below 50% of area median income. 0% deferred, not forgivable.

    640+ credit · at or below 50% AMI
  • Student debt

    Maryland SmartBuy 3.0

    Up to $25,000

    Pays off qualifying student loans at closing, up to 15% of the price, forgiven 20% a year over five years.

    720+ credit · $1,000+ student debt
  • Montgomery County

    HOC McHAF

    Up to $25,000

    A 0% HOC loan toward down payment and closing, with no monthly payments, forgiven after 10 years.

    640+ credit · paired with an HOC first mortgage

College Park, Baltimore City & Baltimore County

Prepared November 2, 2026
  • College Park

    New Neighbors Grant

    $5,000 to $20,000

    Help for city residents, full-time city workers, UMD graduate students and first responders buying within city limits. Five-year occupancy and lien.

    Apply 4+ weeks before settlement · no income cap listed
  • Baltimore City

    Buy Back the Block

    $15,000 or $20,000

    A grant, no repayment, for renters who have lived 12 months at an eligible address and buy nearby. $20,000 with purchase-and-renovation financing.

    Income up to $144,720 or 120% AMI · first come, first served
  • Baltimore County

    SELP

    Up to $10,000

    Settlement Expense Loan Program for first-time buyers purchasing an existing home in a Community Conservation Area.

    At or below 80% AMI · confirm current terms before applying

Get the Maryland Homebuyer Assistance guide

One-page summaries of every program above, with eligibility, credit minimums and repayment terms. Tobe will email them to you personally.

Program terms, limits and funding change often. Eligibility is determined by participating lenders and program administrators, and assistance is not guaranteed.

Where Maryland feels like home

A tree-lined Maryland street of colonial homes in autumn Odenton & Fort Meade

Tobe's own community, minutes from base, with easy commutes toward Baltimore, Annapolis and D.C.

County
Anne Arundel
Rail
MARC Penn Line
Historic brick rowhouses leading down to a harbor with sailboats Annapolis & the Bay

Historic streets, waterfront living and a little boating culture in the state capital.

County
Anne Arundel
Water
Chesapeake Bay
Brick rowhouses with white marble stoops and the Baltimore skyline at sunset Baltimore City

Classic rowhouses, marble stoops and neighborhoods with real character, plus city grants like Buy Back the Block.

Known for
Rowhouse living
Water
Inner Harbor
Brick colonial homes along a curving tree-lined street in golden light Prince George's County

Established suburbs and newer communities just outside D.C., including College Park and its New Neighbors Grant.

Close to
Washington, D.C.
Includes
College Park
Across Maryland

From Baltimore County to Montgomery County and the Eastern Shore, Tobe helps buyers and sellers wherever their next chapter takes them, and connects out-of-state movers with trusted agents in their new market.

Ask about your area

Where you want TO BE. How we get you there.

  1. 1

    Listen

    We start with your goals, timeline and budget, not a sales pitch.

  2. 2

    Plan

    A written roadmap: financing, programs, pricing and the steps ahead.

  3. 3

    Coordinate

    Lenders, inspectors, title and appraisers, all kept on schedule.

  4. 4

    Close

    Keys in hand, and a REALTOR® you can call long after closing day.

Tobe Frierson Dickerson, Maryland REALTOR®
23 yearsguiding life-changing decisions in higher education

Meet your REALTOR®

Tobe Frierson Dickerson

Home is where life happens. Families grow, new chapters begin, and everyday moments become memories. Helping you find the right place for your next chapter is why I do this work.

For 23 years I worked in higher education admissions and enrollment, guiding people through decisions that shaped their futures. That career taught me to listen closely, ask the right questions, and make complicated processes feel manageable. I bring the same approach to buying and selling homes: clear communication, careful coordination, and personal attention from our first conversation through closing.

As the wife of a retired U.S. Army veteran who served for 22 years, I know how much a move can mean for a military family. I'm proud to help veterans and service members explore their homeownership options and connect with lending partners who know VA financing.

I live in Odenton with my husband and our daughter. Outside of real estate you'll find me making music, serving in the community, or spending time with family. Faith, service, and connection shape how I live, and how I care for my clients.

Let's find where you're meant TO BE.

Let's talk about your next move

Buying, selling, relocating or just exploring, a 20-minute conversation is a great place to start.

  • Mobile864.980.0695
  • Emailtobefdickerson@kw.com
  • Office443.318.8800