Maine Mortgage Guides
Plain-English explainers for Maine homebuyers and refinancers, written by a local loan officer.
- Guide
Maine USDA Loan Eligibility in 2026: Towns, Income Limits, and How It Works
A complete Maine USDA loan eligibility guide — which towns qualify, 2026 income limits by county and household size, and how 0% down works in practice.
Published 2026-04-10 - Guide
Maine Closing Costs: What to Expect in 2026
A plain-English guide to Maine closing costs for buyers and refinancers — typical ranges, who pays what, and how to reduce them.
Published 2026-04-01 - Guide
Maine VA Loan Guide: 2026 Entitlement, Funding Fee, and IRRRL Refinance
Complete Maine VA loan guide — full and partial entitlement, 2026 funding fee schedule, IRRRL streamline refinance, and why VA beats conventional for most eligible buyers.
Published 2026-03-28 - Guide
MaineHousing First Home Loan Program: 2026 Guide
How MaineHousing First Home works, who qualifies, how much down payment assistance is available, and whether it's right for you.
Published 2026-03-15 - Guide
Maine Jumbo Loan Limits and Rates in 2026
2026 Maine jumbo loan thresholds, down payment requirements, rate dynamics, and a plain-English walkthrough of when jumbo beats conventional.
Published 2026-03-10 - Guide
MaineHousing Advantage Grant in 2026: Up to $5,000 Down Payment Help
How the MaineHousing Advantage down payment grant works in 2026 — eligibility, amount, and how to layer it with the First Home Loan Program.
Published 2026-03-01 - Guide
How Much House Can I Afford in Maine?
Understand the numbers behind your Maine home-buying budget — DTI, reserves, PITI, and why preapproval is the only reliable answer.
Published 2026-02-20 - Guide
Maine FHA Loan Limits by County in 2026
2026 Maine FHA loan limits — $524,225 in most counties, $546,250 in York County, plus why FHA doesn't always beat conventional.
Published 2026-02-15 - Guide
When Should I Refinance My Maine Mortgage?
A straight-talk Maine refinance guide — break-even math, rate-and-term vs. cash-out, VA IRRRL, and how to know when the math actually works.
Published 2026-01-30