MaineHousing provides low fixed rate mortgages and other assistance to help make homeownership affordable for more Maine people. No point and low point options are available. There are options with little or no down payment required, though if you still need help with the cash needed for closing, we also offer down payment and closing cost assistance. MaineHousing mortgages even come with payment protection for unemployment.

The First Home Loan Program provides low fixed rate mortgages to people who have not owned homes in the last three years. No point and low point options are available plus $3,500 towards down payment and closing costs.

To show our appreciation for the commitment and sacrifices made by Maine's veterans, MaineHousing offers qualified active duty, veterans, and retired military personnel a 0.25% discount on our already low 30-year fixed interest rate. ​No point and low point options are available plus $3,500 towards down payment and closing costs.

MaineHousing's Pre-1976 Mobile Home Replacement Initiative provides income-eligible Maine residents with an opportunity to replace the pre-1976 mobile home they own and occupy as their primary residence with a new ENERGY STAR ® certified manufactured home.

MaineHousing offers many programs to help with your home improvement needs by providing grants or low cost loans for health and safety related repairs and improvements - repair or replace failed wells, make heating, electrical, or structural repairs and improve accessibility.

MaineHousing's Home Accessibility and Repair Program provides help to low-income homeowners who cannot afford necessary home repairs.

MaineHousing's Arsenic Abatement Program provides grants to eligible single-family homeowners and landlords with private well water that shows evidence of high levels of arsenic contamination.

MaineHousing receives funding from State and Federal sources to offer programs that provide funding to single-family households and owners of rental properties in Maine to help make their homes and rental properties lead safe. Priority for program funds will be granted to abatement projects for housing in which a child resides and who has been determined to have an elevated blood lead level.

The Community Aging in Place Grant Program offers no-cost home safety checks, minor maintenance repairs, and accessibility modifications to eligible low-income elderly and disabled homeowners.