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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 View Rates

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

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.

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Our Mortgage Specialists

Meet our experienced mortgage team. With decades of combined experience, our mortgage loan specialists are dedicated to providing exceptional service and a seamless experience from application to closing.

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