Home Mortgages

It’s About Your Dream, Not Just The Numbers.

We’ve helped more than 46,000 of our neighbors find their way home.

The path to your dream starts when you connect with a Meridian Mortgage Loan Officer. On the way, you’ll get a great rate, reliable communications and a speedy, stress-free experience.

Today, more than ever, you need a trusted, knowledgeable advisor to guide you to your dream. Meridian’s locally based Mortgage Loan Officers know how to optimize current conditions to your advantage. And they have access to a variety of tools and specialty programs that can help you overcome obstacles encountered along the way.

What Your Neighbors Have to Say about Meridian Mortgage

Ask a Meridian Mortgage Loan Officer if you can take advantage of these special programs

Select your state to see the programs offered

The Maryland Mortgage Program is available statewide and aims to make homeownership affordable by offering mortgage financing, down payment assistance, and more. MMP programs and initiatives include:

  • MMP 1st Time Advantage
  • MMP Flex Loans
  • Partner Match
  • Montgomery Homeownership Program VI
  • HomeAbility (assists homebuyers with disabilities)
  • Maryland SmartBuy (for homebuyers with eligible student debt)

The Settlement Expense Loan Program assists first-time homebuyers with low and moderate-income. Available in participating counties in Maryland. $10,000+ available on a first come, first served basis. Each county provides specific eligibility requirements.

Baltimore City Grants

  • Community Development Block Grant (CDBG)
  • Buying into Baltimore
  • City Living Starts Here
  • Trolley Tour
  • Vacants to Value
  • Live Near Your Work

Pathway to Purchase
Pathway to Purchase is available to the entire Prince George’s county in Maryland for first-time homebuyers. It is a deferred loan up to $10,000 on a first come, first served basis.

Employer Match Programs
Employer Match Programs such as Live Near Your Work, House Keys 4 Employees, and Smart-Keys. Participating employers in Maryland offer funds to first-time homebuyers. Employer can establish eligible neighborhoods and amounts. These funds are sometimes matched by local jurisdictions. Check with your employer’s human resources department.

NJHMFA Smart Start
The Smart Start program is available to participants in the New Jersey Housing and Mortgage Finance Agency’s (NJHMFA) First-Time Homebuyer and Homeward Bound programs. For people purchasing homes in Smart Growth Areas, the program helps families by offering a second mortgage for down payment and/or closing costs up to 4% of the first mortgage.

Delaware State Housing Authority (DSHA) offers first mortgage financing at below-market interest rates to qualified Delaware homebuyers. Welcome Home loans provide financing to first time homebuyers while the Home Again program is available for repeat homebuyers. Borrowers may be eligible for up to $8,000 in down payment and closing cost assistance.

Pennsylvania offers several mortgage programs assisting the buying and refinancing of a home. The eligibility requirements are different, but programs are available to those with low-income, buying for the first-time or needing down payment or closing cost assistance. Borrowers may be eligible for up to $6,000 in down payment assistance and no closing costs.

The Federal Home Loan Bank is a federal grant with amounts available up to $10,000 on a first come, first served basis. Available in all states for first-time homebuyers.

Federal Housing Administration loans offer low down payments, reduced closing costs, and easy credit qualifying. FHA loans can assist qualified first-time homebuyers, borrowers looking to rehab a home or improve energy efficiency and more.

USDA (Rural Development) partners with local lenders to help them extend 100% financing opportunities to individuals and families.

  • Qualified buyers and properties may be eligible for 100% financing
  • Low monthly mortgage insurance – you may qualify for a larger loan
  • Flexible credit and qualifying guidelines
  • No maximum purchase price limit
  • Closing costs can come from any source including gifts

FNMA HomeReady
Creditworthy, low-to-moderate income borrowers may be eligible for this mortgage program. It offers:

  • A low down payment (up to 97% financing)
  • Flexible down payment and closing cost sources
  • No income limits in low-income areas
  • Homeownership education
  • Conventional home financing

Qualifying veterans can purchase or refinance a home with no or limited closing costs and flexible credit criteria. Veterans Affairs (VA) loans offer:

  • Zero-down payment
  • Cash-out refinances up to 100% of the appraised home value
  • No PMI requirement

In addition to these programs, we have:

  • Conventional
  • Jumbo
  • ARMs
  • Doctor Programs
  • FHA 203k renovation loans
  • Fixed and HELOC Home Equity loans

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