Our Programs

The Maryland Mortgage Program helps homebuyers in Maryland achieve their dream of homeownership through a range of programs that make purchasing and owning a home more affordable.  ​​​​​

Home Loan Programs

Maryland Mortgage Program home loans are available as Conventional or Government-backed loans. A Conventional loan is any type of mortgage that is not secured by a government-sponsored entity (GSE), such as the Federal Housing Administration (FHA) or the U.S. Department of Veterans Affairs (VA). Government loans are backed by the government, offering different and sometimes more flexible products for certain buyers. Depending on your financial situation, Government loans can help you obtain a mortgage when you otherwise may not have met conventional guidelines. ​​​​​

Your individual situation will determine which loan option fits you best. Talk to one of our state-approved mortgage lenders​ to learn more. ​​​​​

Other Programs

Other programs, including federal tax credits (Maryland HomeCredit) and Partner Match can be combined with the selected home loan products, subject to property and homebuyer eligibility.

MMP 1st Time Advantage

MMP 1st Time Advantage

Offers eligible first-time homebuyers the lowest 30-year fixed interest rate available from the program for a home loan. Down payment and clos​ing cost assistance is not available from MMP, however borrowers may use assistance funds from external sources.
Learn More​

Flex Loans

30-year, fixed-rate home loan products accompanied by additional funds for down payment and closing costs. The assistance is available in the form of no-interest, deferred loan or an outright grant (doesn't get repaid).
Learn More

Special Assistance Grants

30-year, fixed-rate home loan products providing grant funding that can be used for down payment or applied to closing costs. Grants do not need to be repaid.
Learn More

Partner Match

Available only with Maryland Mortgage Premier loans. Funds available through the Partner Match Program are provided in the form of a no-interest, deferred loan and may be used for down payment and closing costs.
Learn More

Maryland HomeCredit

Maryland’s “mortgage credit certificate,” which provides eligible homebuyers with an annual credit that may be applied to federal income taxes. Some fees apply.
Learn More

Maryland SmartBuy

For homebuyers with eligible student debt. The program offers special financing and closing cost assistance, including student loan payoff valued up to 15% of the property's purchase price.
Learn More

Talk to us about applying for a Maryland Mortgage home loan