First Home Loan

State program

Learn more

at MaineHousing

Best for

Low down payment

Low mortgage rates

What you need to know

This program offers mortgages with below-market, fixed interest rates and no- and low-down-payment options for first-time home buyers. You can pay discount points to lower the interest rate further. Zero-point and two-point loan options are available. Eligible borrowers can combine the loan with