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Find Homeownership Incentives

Maryland Mortgage Program House Keys 4 Employees

First Time Homebuyers Renters

Type Of Program

Deferred Second Mortgage

Program distribution

Program Originator

Maryland Department of Housing and Community Development, Maryland Mortgage Program






The Maryland Mortgage Program (MMP) helps homebuyers in Maryland achieve their dream of homeownership through a range of programs that make purchasing and owning a home more affordable. MMP home loans are 30-year fixed-rate loans available as either Government or Conventional insured loans.

  • 1st Time Advantage loans are designed to offer eligible homebuyers the lowest 30-year fixed interest rate available for Maryland Mortgage Program loans.
  • The 1st Time Advantage 5000 loan comes with a $5,000 loan for down payment and closing costs, structured as a 0% deferred interest second lien.
AMI Limit


Employer Participation Required

Must Earn Counseling Certificate

Eligibility Limitations

Cash Sale Permitted

Cosigner Permitted

Owner Financing Permitted

Must be Primary Residence

Program Provider's Contact Name

Program Provider's Address

Program Provider's Phone

Program Provider's Email