First-Time Home Buyer
We'll make it easier for you to buy your first home with financing programs specifically for first-time homebuyers, including Maine State Housing Authority and Rural Development loans with low and no down payment options.
Learn More.

We'll answer all your questions,
compare the pros and cons of each option, and make sure you end up with the mortgage that best fits your situation. Throughout the process, you'll enjoy these key benefits:

• No application fee

• Reduced paperwork

• Option to "lock" interest rate 

• Competitive interest rates

• Local decision-making

• Get Pre-Approved Today!

Let us pre-approve you before you start your home search so you can confidently make an offer on your dream home. We can help you determine how much house you can afford and help you choose a mortgage that best fits your needs. Our fast, FREE pre-approval program gives you an advantage when shopping for a home. You'll feel secure making an offer on a home with a pre-approval certificate in your hand!


Information Needed for Your Loan Application

• Employer(s) name, address, and phone number for the past 2 years

• W-2's for the past 2 years

• Pay stubs covering wages for the most recent 30-day period

• Last 2 statements for all deposit accounts—checking, savings, investment, IRA, etc.

• If self-employed, the last 2 years' signed and dated personal and business tax returns (if applicable) with all schedules attached

• If you currently rent, the landlord's name and address for the past 2 years.


WHAT KIND OF HOME CAN I BUY?

PRIMARY RESIDENCE
Purchase a single family home or 2 to 4 unit apartment building to live in as your primary residence.


SECOND HOME
Purchase your dream getaway. Whether it is a lakefront camp, hunting cabin, or ski lodge, you can turn to KFS Mortgage! Call us today for a free pre-approval, so you can confidently make an offer on your getaway home.


Mobile Homes with Land
Purchase a mobile home on land owned (or to be owned) by you. Fixed rate mortgage options are available with low or no down payment.


INVESTMENT PROPERTIES
Purchase a 1-4 family rental property with KFS Mortgage! Call us today for a free pre-approval before you begin your property search, so you can improve your bargaining power and confidently make an offer.