You've Earned It mortgage

State program

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Best for

Outstanding student loans

Low mortgage rates

Down payment assistance

What you need to know

This loan provides an interest rate discount of 0.25 percentage points, along with $5,000 in down payment assistance. To qualify, you must have at least $25,000 in student loan debt and purchase a home in one of Maryland’s Sustainable Communities. If you qualify for the You've Earned It loan and