Maryland Mortgage Program

Through the Maryland Department of Housing and Community Development

The Maryland Mortgage Program provides 30-year, fixed-rate home loans along with valuable incentives like down payment and closing cost assistance to make homeownership more attainable — especially for first-time buyers.

Whether you’re purchasing your first home or navigating today’s market with limited savings, MMP is designed to help you get into a home faster, more affordably, and with confidence.

Key Benefits of the MMP

  • Down Payment Assistance
    Receive generous assistance to reduce your upfront costs. Perfect for buyers who are ready to own but don’t have the full down payment saved.
  • Closing Cost Help
    Use program funds to cover closing expenses, reducing your out-of-pocket costs at the settlement table.
  • Below-Market Interest Rates
    Lock in a stable 30-year fixed mortgage at competitive rates backed by the state.
  • Partner Match Programs
    Leverage grants and additional support from approved MMP partners and local jurisdictions — stackable with MMP incentives.
  • Network of Trusted Lenders
    Work with MMP-approved lenders like Freedmont Mortgage, who are experienced in navigating program guidelines to ensure a smooth process.

Who is Eligible?

To qualify for the Maryland Mortgage Program, you must:

  • Be at least 18 years old with a valid Social Security number
  • Meet household income limits (varies by location and household size)
  • Be a first-time homebuyer — or buying in a designated target area
  • Purchase a home in the state of Maryland
  • Complete homebuyer education (in most cases)

Not sure if you qualify? We’ll walk you through every step and explore all available options based on your situation.

Why Work With Freedmont Mortgage?

We’re not just a lender — we’re your local mortgage guide. With deep roots in Maryland and decades of experience helping buyers take advantage of state-backed programs, we know how to:

  • Navigate MMP paperwork and requirements
  • Identify the best-fit program based on your income and location
  • Help you stack incentives to maximize your buying power
  • Get you from application to closing faster, with less stress

Take the First Step Toward Homeownership Today.

The Maryland Mortgage Program is a game-changer for many buyers. If you’ve been waiting for the “right time” to buy, this could be your moment.