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Start your home buying journey

Buying a home is a major life milestone that we want to help you achieve. Our team of local Maine home loan experts will work with you every step of the way, from completing your application to sitting at the closing table.


Conventional Fixed Rate & Adjustable Rate Loans

Whether you want to secure predictable payments with a fixed rate or let an adjustable rate support your shorter-term goals, our standard mortgage options can be tailored to fit a wide range of home buying goals. As you consider the financial benefits of either rate structure, trust our Home Loan Experts to help you lock down a loan that will be the right fit for you now, and into the future.

Fixed Rate Loan

Secure the interest rate for the life of the loan.

  • Low rates
  • Low down payments
  • Various terms available
Adjustable Rate Loan

Initial interest rates are generally lower compared to other mortgages, but after a predetermined timeframe, the rate will adjust periodically.

  • Initial fixed rate period followed by rate fluctuations for the remainder of the loan term
  • Rate adjustments based on a predetermined margin and a defined index
  • Various terms available

VA & FHA Loans

These government-backed mortgages offer powerful advantages in addition to flexible and forgiving requirements, even if your finances are less than perfect.

VA Loan

If you are a service member, veteran, or eligible surviving spouse, you may qualify for a VA Loan with benefits including:

  • No down payment
  • No mortgage insurance
  • Low interest rates
FHA Loan

If you have concerns about your credit score, or if your budget can only manage a small down payment, the lending standards for Federal Housing Administration (FHA) Loans may accommodate your financial situation, even if you want to refinance but have minimal equity. Benefits include:

  • Low down payment
  • Forgiving credit score requirements
  • Competitive rates

Rural Housing Loans

Offered to low- and moderate-income families living in rural areas, this loan helps make homeownership a reality by providing up to 100% financing of a home's purchase price. Applicants must meet criteria as defined by the USDA, which includes income specifications, the location of the property, and a lack of adequate housing.

Maine State Housing Authority

MaineHousing provides low fixed rate mortgages to help make homeownership attainable and affordable for more Mainers. There are options with little or no down payment required, and no-point and low-point options are available. Plus, if you still need help with the cash needed for closing, you may qualify for down payment and closing cost assistance. These mortgages even come with payment protection for unemployment.

  • First Home Loan Program
  • Salute ME & Salute Home Again
  • Pre-1976 Mobile Home Replacement Initiative
  • Disaster Assistance Loan Programs
  • Indian Housing Mortgage Insurance Program

Mobile Homes

Whether you're considering a single or doublewide, loans are available to help you purchase a mobile home with or without land. Work with a Home Loan Expert to find a rate that suits your budget.

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Need additional help?

Whether you're still on the lookout for what you came here for, or are ready to take the next step, we've got you covered.