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Mortgage Programs

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Other Government Programs Request more information MeridianMortgage.com


When buying a home, it's important for you to investigate all of your financing options.

You may qualify for special government mortgage programs that can make home ownership more affordable. Meridian Bank offers many government mortgage options, including federal and state programs, as well as conventional and reverse mortgages.

Review the descriptions of some of the most popular programs. Then, let us know which ones are of interest and a local mortgage consultant will reach out to you.

Other Government Mortgage Programs 

Limited-Time Offer for Qualified Homebuyers!

Get up to $5,000 Down Payment and Closing Cost Assistance

The First Front Door (FFD) program assists low-income, first-time homebuyers with their closing costs and down payment. For every $1 contribution made, $3 in grant assistance is provided, up to a maximum of $5,000. Meridian Bank is a participating member of FFD through FHLBank Pittsburgh.

Grant Program Qualifications for Homebuyers

Must meet one of the following criteria:

Has not owned a home within the past three years
Previously owned a home only while married but not as a single person within the last three years
Married joint homebuyers where one borrower has not owned a home in the past three years

Contribute personal funds toward the down payment or closing costs
Earn total annual income at or below 80% of the area median income
Cannot be a student working less than 30 hours per week
Completes at least four hours of homeownership counseling prior to purchasing the home
Cannot receive more than $250 cash back at loan closing
Agrees to maintain the home for five years to retain the full amount of the grant. If a sale occurs before the five years expire, a portion of the grant may be required to be repaid

Eligible Property Types

Single-family homes
Modular units
Manufactured homes (eligible if permanently affixed to site)

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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. 

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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. 

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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

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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. 

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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

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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. 

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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

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Request Information

To learn more and find out if you qualify, submit your information below:

mortgage program form

This communication does not constitute a commitment to lend. Meridian Bank is not an agency of or endorsed by the federal or any state government. All loan programs are subject to credit approval and acceptable collateral. Additional terms or conditions may apply. Rates, terms and conditions are subject to change and may expire without notice. This ad is not a loan disclosure and all disclosures provided after applying should be reviewed carefully. Meridian Bank is registered or exempt from state licensing in the states it originates mortgage loans. | Meridian Bank NMLS#462854