Maine State Housing Mortgage

Offering the lowest fixed rates on the market, the Maine State Housing* Authority Loan is designed for Maine residents who are in the market for their very first home. And with this loan, your down payment can be as low as 0%.

Maine State Housing Mortgage

Why Choose Us for Your Maine State Housing Loan?

• For the purchase of a primary residence
• Down payments as low as 0%*
• Fixed and low-interest rate options
• This loan type offers multiple loan terms
• Tax-deductible interest**
• Applicants can explore available government guarantees

Maine State Housing Mortgage Details

With our attention to detail and personalized service, it’s clear why Machias Savings is the bank of “YES!” for many first-time homebuyers. Some additional benefits of choosing us for your Maine residential home loan include:

Local

We offer all of the features of bigger banks while operating on a local level. Our in-house team performs all services and decisions so you can rely on us to understand and meet your needs.

Quick Response

We know how important a fast response time is in the home-buying process. Our team will notify you of any changes or updates immediately.

Simple Application

With our easy application, you can apply online, by phone or in person.

Online and Mobile Banking

Check your loan and keep track of accounts online wherever you are with our mobile and online banking.

Auto Payments

Never miss a payment again by setting up automatic payments from your Machias Savings Bank checking or savings account. Schedule your payment, and our online system will do the rest.

Easy Closing

Customer Portal Access

Our secure customer portal allows you to apply for and manage your mortgage application from your computer or mobile device.

Meet Our Homebuying Team

Talk to one of our mortgage specialists today to learn more about how we can help you find your “Yes!”

Get Ready to Apply

Before applying for a Maine Housing loan, ensure you have the following materials:

• Current driver's license or photo ID
• Tax returns from the prior two (2) years
• W-2 forms from the past two (2) years
• Last two (2) months of bank statements
• Last 30 days of pay stubs Fully executed purchase agreement

Contact Us

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Our Disclosures

* The program utilizes guarantees of private mortgage companies and federal agencies to allow for down payments as low as 0%

** Consult your tax advisor for more information

My MSB Checking

Open a My MSB Checking account with no minimum balance or monthly fees. Enjoy banking that’s easy and straightforward, designed with you in mind.

Personal Credit Cards

Whether you want a credit card with low rates or one that rewards you for traveling, we have a MasterCard® credit card to fit your needs at MSB.

My MSB Savings

MSB makes savings simplified with our savings account. High account balances result in increased interest rates to help you reach your financial goals sooner. Enjoy unlimited transactions and no minimum balance or monthly fee.

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