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Maryland Mortgage Program

Putting homeownership within reach for Maryland buyers.

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The Maryland Mortgage Program

The Maryland Mortgage Program (MMP) is a home loan program provided by the Maryland Department of Housing and Community Development (DHCD) that has helped thousands of homebuyers achieve affordable homeownership.

MMP provides home loans and down payment assistance to first‑time homebuyers and working families in Maryland who have not purchased a home in the past three years. This program offers unique financial incentives and other assistance that, for many homebuyers, can mean the difference between continuing to rent and being able to purchase a home of their own.

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Benefits of the Maryland Mortgage Program

  • Great option for first‑time home buyers
  • Down payment and closing cost assistance help you get into a home faster
  • Maryland HomeCredit Program offers a mortgage credit certificate to help reduce federal taxes
  • 30-year fixed rate loans with predictable monthly payments
  • Free and low-cost homebuyer education courses

Contact us today to discuss your eligibility and how the Maryland Mortgage Program could work for you.

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Services

Looking for other loan options? We’ve got you covered

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Purchase

From conventional to FHA and VA loans, find the right fit for your budget and goals.

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Refinance

Lower your rate, reduce your payment, or tap into equity. Let’s find what makes sense for you.

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Construction, Bridge, Renovation

Build, remodel, or renovate the home of your dreams.

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Specialty Financing

From non-QM loans to investor financing, find solutions for situations that don’t fit the standard mold.

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Ready? Let’s get started

Get in touch with our team of lending experts to discuss your eligibility and learn how the Maryland Mortgage Program could work for you.

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THIS PRODUCT OR SERVICE HAS NOT BEEN APPROVED OR ENDORSED BY ANY GOVERNMENTAL AGENCY, AND THIS OFFER IS NOT BEING MADE BY AN AGENCY OF THE GOVERNMENT.