Opening the door to veterans:


Get $5,000 Advantage towards down payment & closing costs.**

Green Key LenderTo show our appreciation for the commitment and sacrifices made by Maine’s veterans, MaineHousing offers qualified active duty, veterans, and retired military personnel a 0.50% discount on our already low First Home Loan 30-year fixed interest rate through our Salute ME and Salute Home Again programs.

A First Home Loan from MaineHousing is the most affordable way to buy your first home or return to home ownership. The first time homebuyer requirement under Salute ME and Salute Home Again.

Our First Home Loan is available through our MaineHousing Lenders — banks credit unions, and mortgage companies you already know!

**The $5,000 Advantage towards down payment and closing costs is included with the rate. A hoMEworks homebuyer education class is required to receive the $5,000 Advantage.

Who’s eligible for Salute ME & Salute Home Again?

Mainers who...

  • Remain on active duty or have been honorably discharged from military service 
  • Served on active duty for 180 days or within a war zone. (National Guard members who meet this qualification are eligible.) 
  • First-time homebuyer or returning homebuyer whose new home will be primary residence. 
  • Meet income limits 
  • Meet home cost limits

How do I apply?

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Why First Home?

The First Home loan program features:
  • Below-market or competitive interest rates on 30-year fixed rate mortgages
  • Little or no down payment. When a MaineHousing mortgage is combined with a government guaranty (FHA/RD/VA) or with a MaineHousing approved private mortgage insurer, little or no down payment is required
  • Low or no point options
  • $5,000 in down payment and closing cost assistance (our Advantage program)
  • Up to $35,000 in additional loan financing for house improvements
  • Financing of manufactured homes on owned or leased land
  • Maine HOPE – Payment protection for unemployment
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