First Homes vs. 1st Time Advantage 5%: Which Maryland Loan Is Better?
Maryland's First Homes loan and the MMP 1st Time Advantage 5% both include 5% down payment help. Here is how the rate, eligibility and monthly cost compare.
Read the article →Maryland First Homes blog
Guides for Maryland teachers and first responders buying a first home
Plain-English guides to the First Homes for First Responders and Teachers program, the Maryland Mortgage Program and the steps from pre-approval to closing.
How Much House Can a Maryland Teacher Afford in 2026?
Worked examples for Maryland teachers and first responders using the First Homes loan: income, debt limits, today's rates and what the 5% assistance covers.
Read the article →Maryland Targeted Areas Explained: Higher Limits for First-Time Buyers
What Maryland Mortgage Program Targeted Areas are, which counties have them, and how they raise income and purchase price limits for First Homes buyers.
Read the article →Maryland Homebuyer Education Class: How to Complete the Required Course
Every First Homes borrower must finish an approved homebuyer education class before closing. Here are the approved online options, timing rules and tips.
Read the article →How to Apply for First Homes in Maryland: Step by Step
A step-by-step guide to applying for Maryland's First Homes for First Responders and Teachers loan, from eligibility and pre-approval to reservation and closing.
Read the article →