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Our experienced mortgage team is here to make it easier for you to buy your first home with financing programs specifically designed for first-time homebuyers. Eligible first-time homebuyers can benefit from fixed-interest rates and low or no down-payment options. The KFS Mortgage team will work with you to identify the best mortgage options for you.

If you have not held an ownership interest in a home for the past 3 years, you may be eligible for a first-time homebuyer mortgage. Our goal is to make you feel as comfortable as possible by answering your questions, keeping you informed, and explaining your options.

At KFS Mortgage, you'll find financing programs specifically designed for first-time homeowners. Among these options are:

MaineHousing Loans

Maine State Housing Authority loans make it easier and more affordable to buy a home with low fixed-rate mortgages, including options with little or no down payment required. Plus, if you need help with the cash for closing costs, they also offer a down payment and closing cost assistance option called Advantage. If you are a Veteran, retired military or on qualified active duty, the first time homebuyer requirement is waived and the fixed interest rate is even lower.

Contact KFS Mortgage for MaineHousing First Time Homebuyer, SaluteME, and the Mobile Home Self-insured programs for mobile homes on land to be owned by you.

For more information:

USDA Rural Development Guaranteed Housing Loans: This program helps make homeownership a reality for low- and moderate-income households living in rural areas. Most areas in Maine qualify. Eligible applicants may purchase a dwelling in an eligible rural area with 100% financing.

For more information:


Call us today for a free pre-approval, so you can confidently make an offer on your dream home. We'll answer all your questions, go over your options, and provide a pre-approval certificate you can take to your realtor and use in your home-buying negotiations.

You can feel secure knowing KFS Mortgage provides:

• Reduced paperwork

• No application fee

• Option to "lock" your interest rate

• Competitive interest rates

• Local decisions

We will find the right solution for you!