Maryland Mortgage Program 1st Time Advantage

State program

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Best for

Low mortgage rates

Down payment assistance

Closing cost assistance

What you need to know

DHCD's 1st Time Advantage loans allow qualified first-time home buyers to get the lowest fixed interest rates available from the Maryland Mortgage Program. One option is the 1st Time Advantage Direct loan, which tends to offer the most competitive rates and allows borrowers to use external forms of