Maine State Housing Mortgage | Machias Savings Bank in Maine

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Maine State Housing Mortgage

First Home Freedom

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?

We offer these mortgage loans for Maine residents who are first-time homebuyers with low to moderate incomes. Our Maine State Housing loan provides the following features to help you turn your homebuying dream into a reality:

  • 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
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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:



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.

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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.

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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

Our closing process is simple, so you can be confident that you won’t miss out on your dream home.

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Customer Portal Access

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

Login Now To Our Mortgage Customer Portal
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Meet Our Homebuying Team

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

Connect With Our Mortgage Specialists

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

With benefits such as 5 cents back on every debit card transaction and no minimum balance, our My MSB Checking account helps you take your money further.

Learn More About My MSB Checking
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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.

Learn More About Personal Credit Cards

My MSB Savings

Our savings account offers no monthly fees or minimum balance for a flexible way to create a solid financial foundation.

Learn More About My MSB Savings
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