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Maryland program

Maryland Mortgage Program Flex Loans

Maryland route through Maryland Department of Housing and Community Development. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.

Fixed-rate first mortgage line with optional deferred second-lien assistance Check official rules 2026-04-19
Agency Maryland Department of Housing and Community Development
Support type Fixed-rate first mortgage line with optional deferred second-lien assistance
Amount highlight Varies by Flex product: Flex 6000 provides a $6,000 down payment and closing cost loan; Flex 3% provides a DPA loan equal to 3% of the first mortgage; Flex Direct has no DPA.
Last verified 2026-04-19

Decision-ready public facts

What this program appears to offer

Quick answer from published facts. Go to Maryland program hub

Amount

Varies by Flex product: Flex 6000 provides a $6,000 down payment and closing cost loan; Flex 3% provides a DPA loan equal to 3% of the first mortgage; Flex Direct has no DPA.

Type

Fixed-rate first mortgage line with optional deferred second-lien assistance

Repayment

For DPA variants, assistance is a zero-percent deferred second lien with no payments due for the life of the first mortgage. The official Flex 6000 terms state the second lien becomes due when the first mortgage ends through repayment, refinance, transfer, sale, or similar events.

First-time buyer

Unknown

Program guide

What to know before you click through

Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.

Who qualifies?

First-time homebuyers, Repeat homebuyers

What support do you get?

Varies by Flex product: Flex 6000 provides a $6,000 down payment and closing cost loan; Flex 3% provides a DPA loan equal to 3% of the first mortgage; Flex Direct has no DPA.

Do you repay it?

For DPA variants, assistance is a zero-percent deferred second lien with no payments due for the life of the first mortgage. The official Flex 6000 terms state the second lien becomes due when the first mortgage ends through repayment, refinance, transfer, sale, or similar events.

How do you apply?

Talk to one of the state-approved mortgage lenders to get pre-qualified for an MMP loan.

Official source evidence

Maryland Mortgage Program Flex Loans are 30-year fixed-rate home loans for first-time and repeat homebuyers, with some variants carrying zero-percent deferred second-lien assistance.

View official source

Last verified

2026-04-19

2023-11-28

Paid preview

What paid access adds for Maryland Mortgage Program Flex Loans

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Comparison preview

Maryland Mortgage Program Flex Loans

Amount: Varies by Flex product: Flex 6000 provides a $6,000 down payment and closing cost loan; Flex 3% provides a DPA loan equal to 3% of the first mortgage; Flex Direct has no DPA.

Repayment: For DPA variants, assistance is a zero-percent deferred second lien with no payments due for the life of the first mortgage. The official Flex 6000 terms state the second lien becomes due when the first mortgage ends through repayment, refinance, transfer, sale, or similar events.

First-time buyer: Unknown

Risk checks preview

What gets flagged before you call a lender

  • Maryland Mortgage Program Flex Loans requires a participating lender.
  • Maryland Mortgage Program Flex Loans can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Does Maryland Mortgage Program Flex Loans require a participating lender for this household and loan setup?
  • Which events trigger repayment for Maryland Mortgage Program Flex Loans: sale, refinance, transfer?

Action checklist preview

What you would do next

  • Confirm whether Maryland Mortgage Program Flex Loans requires a participating lender.
  • Review the official Program page for Maryland Mortgage Program Flex Loans.
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Paid research preview

What paid research already covers in Maryland

Paid research already tracks city and county programs, employer-assisted paths, public employee or pension paths, specialty and conditional paths for Maryland.

5 tracked deeper records

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What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

1 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

1 tracked

employer-assisted paths

Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.

1 tracked

public employee or pension paths

Public employee or pension-backed mortgage angles that need slower source review.

2 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

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Private workspace

What paid access adds to this program

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If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback.

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Decision output

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