Smart Start hoME Loan

Open the door to your first home with our Smart Start hoME Loan!

• 100% financing options
• No income or purchase price limits
• Reduced cost private mortgage insurance
• Cannot have owned a home in the past three years
• Local decision making and servicing

*Property must be located within Androscoggin, Cumberland, Lincoln, Sagadahoc, or York Counties, or the following towns: Buckfield, Hebron, Litchfield, Otisfield, Oxford or Monmouth.

hoME Opportunity Mortgage

Homeownership isn’t out of reach with a down payment as low as 3%.

• No monthly mortgage insurance premium
• Owner-occupied, purchase transaction
• Available for 1-2 unit homes
• Gifts and grants are allowed
• Homebuyer education is required

House to hoME Mortgage

Designed for borrowers looking to purchase a home and finance improvements.

• Up to $75,000 for eligible improvements
• 6 months for completion
• Down payment of only 5% (95% financing)
• Loan amount based on future value of home with improvements

Made in ME Construction Loan

Build a home to your unique specifications with a construction loan!

• 12-month construction phase
• Down payment of only 5% (95% financing) with Mortgage Insurance
• Interest-only payments during construction phase
• Fixed interest rate
• Converts to a traditional mortgage at the end of construction phase
• Only one closing, saving you time and money!

Smart Size hoME Loan

Big dreams. Right-Sized Financing. Open the door to your Smart Sized hoME*.

• Purchase and New Construction Options
• Competitive Rates
• No income or purchase price limits
• Local decision making and servicing

*Property must be located within Androscoggin, Cumberland, Lincoln, Sagadahoc, or York Counties, or the following towns: Buckfield, Hebron, Litchfield, Otisfield, Oxford or Monmouth.

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