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States We Service

States Where We Offer Mortgage Services

Meridian Home Mortgage offers mortgages in 33 states. Select your state from the list below and learn more about special mortgage considerations for your state.

Meridian Home Mortgage can help with all your home lending needs. We offer various mortgage rates and options. Once you obtain your mortgage pre-approval you may qualify for one of our quality mortgage programs. The home mortgage loans and refinance programs available include: conventional loans, conventional high balance, FHA loans, VA loans, USDA rural housing loans, and Jumbo loans. Learn about our loan options and choose the program that makes sense for you.

Mortgages

Maryland Down Payment Assistance

Learn About Maryland Down Payment Assistance

The following mortgage down payment assistance programs were developed by the Maryland Department of Housing & Community Development (DHCD). See more information about local Maryland down payment assistance programs.

Down Payment and Settlement Expense Loan Program (DSLEP)

Borrowers who are approved to purchase a home using a Community Development Administration (CDA) first mortgage loan are able to apply for this Maryland down payment assistance program.

  • Maximum interest-free loan of $5,000 for first-time homebuyers
  • Total Household income cannot exceed 55% of the Area Median Income
  • Payable upon payoff of your first mortgage, sale of your home, or transfer of title

House Keys 4 Employees (HK4E)

Available to borrowers receiving contributions from participating employers and are using a Maryland Mortgage Program loan, offering additional Maryland down payment / closing cost assistance than what is available through DSLEP.

  • DHCD will match contributions, dollar-for-dollar, for a maximum interest-free loan of $2,500
  • Contributions from local jurisdictions, unions and/or nonprofit agencies may be combined; however, the HK4E match will not exceed $2,500

Builder/Developer Incentive Program (BDIP)

Available to borrowers receiving contributions from participating builders/developers and who meet the requirements of the Maryland Mortgage Program, offering additional Maryland down payment / closing cost assistance than what is available through DSLEP.

  • DHCD will match contributions, dollar-for-dollar, for a maximum interest-free loan of $2,500
  • Contributions from local jurisdictions, unions and/or nonprofit agencies may be combined; however, the BDIP match will not exceed $2,500

Community Partner Incentive Program (CPIP)

Available to borrowers using a Maryland Mortgage Program loan and who are receiving contributions from participating community partners, offering additional Maryland down payment / closing cost assistance than what is available through DSLEP.

  • DHCD will match contributions, dollar-for-dollar, for a maximum interest-free loan of $2,500
  • Contributions from local jurisdictions, unions and/or nonprofit agencies may be combined; however, the CPIP match will not exceed $2,500

Base Realignment and Closure (BRAC) Match Program

Available to federal employees (civilian and military) using a Maryland Mortgage Program loan and who are relocating to Maryland as a result of the 2005 BRAC decisions.

  • Maximum interest-free  loan of $2,500
  • Payable upon payoff of your first mortgage, sale of your home, or transfer of title
  • May be combined with other DHCD Maryland down payment/closing cost assistance programs

Home Buyer’s Education

To qualify for down payment assistance in Maryland, all buyers are expected to attend a homebuyer’s workshop.

Maryland Down Payment Assistance Local

Learn About Local Maryland Down Payment Assistance

The following mortgage down payment assistance programs were developed by local Maryland counties and municipalities. See more information about statewide Maryland down payment assistance programs.