Guidelines
First Responders Service and Rewards (FRSAR) is a 501c3 providing home buyer
assistance to qualified frontline workers. To be considered a frontline worker, at
least one applicant that will be listed on the deed must provide proof of
employment for one of the following occupations:
• Law enforcement;
• Firefighter;
• Medical provider;
• Educator;
• Military personnel;
• Support staff for those mentioned above.
After frontline worker status is verified, the applicant must:
• Fill out the enclosed application;
• Show proof of lender approval;
• Utilize a real estate agent within our network;
Please note additional terms and conditions:
• If retired, proof of service is required;
• Discharged military must be honorable;
• No cash assistance will exceed $3500.
FRSAR does not and shall not discriminate based on race, color, religion, creed,
gender expression, age, national origin, nationality, marital status, sexual
orientation, or military status in any of its activities or operations

The Team
David Thurston
Treasurer
Mr. Thurston is a wealth of knowledge and experience when it comes to the real estate industry and real estate law...
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David Thurston's Bio
David Thurston is a graduate of the University of Baltimore School of Business and the University of Baltimore School of Law. Mr. Thurston’s professional experience includes clients such as Real Estate Investment Trust, the State of Maryland, the Department of Housing and Urban Development (HUD) and Fannie Mae. Mr. Thurston is a wealth of knowledge and experience when it comes to the real estate industry and real estate law. He is known to be a trusted colleague, friend, husband and father.
David Kelly
President
As a Maryland native and a seasoned real estate professional, I recognize and value the trust my clients place in me...
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David Kelly's Bio
As a Maryland native and a seasoned real estate professional, I recognize and value the trust my clients place in me, and I strive every day to exceed their expectations. Outside of real estate, I take pride in giving back to the community by volunteering with Habitat For Humanity, Warrior Canine Connection and Toys For Tots.
Phone
(410) 660-7853
Homer Walton
Vice President
Homer knows that everyone has different financial goals, so he takes the time to fully understand each client’s situation in...
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Homer Walton's Bio
Homer knows that everyone has different financial goals, so he takes the time to fully understand each client’s situation in order to recommend the most appropriate mortgage solutions. Guaranteed Rate Affinity offers a full range of loan products and programs to fit specific financing needs, and he makes sure to have a thorough understanding of each. Homer’s first objective is to help clients make the best choice, but that is just one aspect of his elite service.