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First-Time Homebuyers

  • Low to no down payment options
  • Low closing costs
  • Seller credits could save you more
  • Flexible mortgages options
Apply Online Contact a Mortgage Specialist

Buy Your First Home with Confidence

From pre-approval to the closing table, we’re here for you. St. Mary’s Bank is your trusted partner for a worry-free first-time homebuying experience. We can assess your purchasing potential and identify the ideal financing solution to ensure a seamless process from start to finish.

  • We specialize in New Hampshire, Massachusetts, and Maine first-time homebuyer programs.
  • Low Down Payment Requirement - up to 97% Financing

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Mortgage Qualifier Calculator

Use this calculator to quickly determine how much you can borrow by estimating your mortgage qualification based on your income, purchase price, or total monthly payment.
Apply Online

Fannie Mae HomeReady® Program

HomeReady® helps first-time homebuyers with low to moderate incomes qualify for a mortgage with flexible down payment and funding options. It also considers positive rent payment history, making it easier for more buyers to access homeownership.

To help you move through the process with confidence, the program includes a free online homebuyer education courseand additional resources to guide you every step of the way.

 

New Hampshire Housing Finance Authority (NHHFA)

Available to qualified low- and moderate-income persons in the state of New Hampshire. NHHFA offers down payment and closing cost assistance along with other money-saving programs. 

Learn More


Welcome Home First-time Buyer Program 

Welcome Home opens the door to first-time buyers looking to purchase one-unit residential homes. Eligible borrowers must have a household income at or below the HUD area median income level. Settle into your new home soon with low rates, low down payment requirements.

Please note that homebuyer education is a requirement of this program.
Please select a seminar date and location that's convenient to you.

Get Pre-Approved or Apply for a Mortgage

Ready to finish your application?  Log in to complete.

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Grab a Quick Quote

Input your information and receive a quick estimate of potential loan terms. This tool provides instant access to personalized mortgage loan details moving you one step closer to homeownership.

The quick quote tool does not offer quotes for all programs offered by St. Mary's Bank. For more information on construction, land loans, and New Hampshire Housing programs, please contact a mortgage specialist.

Get Started Contact a Mortgage Specialist
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Check Mortgage Rates

Compare mortgage rates and ask us about your financing options.
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Our Mortgage Specialists are here you

Talk with a local mortgage specialist who’s here to explain your options and answer every question about your home buying experience.

FAQs

How do I view my mortgage details in Online/Mobile Banking?

    To view your mortgage details:

    • Select your mortgage account in Online or Mobile Banking. 
    • Click “View Transactions”. 
    • Access your full mortgage details, documents, and available tools.

    (Your loan details are powered by our mortgage servicing system, FICS.) 
    What mortgage information and tools are available in Online Banking?

    Within your mortgage account, you can: 

    • View and download important documents, such as 1098s and escrow analyses. 
    • Review year-to-date balances and detailed loan information.
    • Make a one-time payment from another financial institution.
    • Make a principal-only payment from another financial institution.  
    How do I make my regular mortgage payment?

    If you already have recurring mortgage payments set up through St. Mary’s Bank, those payments will continue automatically—no action is needed.

    Before making additional payments, keep in mind:

    • One-time or principal-only payments made through the FICS portal are processed separately.  
    • Partial mortgage payments are not accepted in the FICS portal.  
    • Recurring payments set up through St. Mary’s Bank cannot be edited in this area.

    If you need help adjusting your payments, please call our Member Contact Center at (888) 786-2791. 
    How do I make a mortgage payment from another bank account?

    You can make one-time or recurring payments from a non–St. Mary’s Bank account through Online Banking using the FICS platform.

    Important: If you already have an automatic payment set up with St. Mary’s Bank, it will still process as scheduled—even if you make additional payments through the FICS portal or the Transfers section in Online Banking. 
    How do I make a principal-only payment on my mortgage?

    You can make a principal-only payment through Online Banking using the FICS portal.

    • Select your mortgage account. 
    • Choose the option to make a principal-only payment.
    • Use an external (non–St. Mary’s Bank) account to complete the payment. 
    Important: 
    Principal-only payments are processed separately from your regular monthly payment and do not replace it.

     

     

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