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Maryland Mortgage Program

Maryland Employee Offers

​​​​​​​​​​The State of Maryland is a participating employer in the House Keys 4 Employees (HK4E) program. Active State employees can access financial assistance when purchasing a home through the Maryland Mortgage Program (MMP).
 

Who can apply

This program is available to active State of Maryland government employees, including:

  • Permanent employees
  • Contractual employees

Note: Employees of quasi- or independent state agencies, or the University System of Maryland, are not considered State of Maryland Government employees for the purposes of this program. Check the Partner Employers​ list to see if your specific agency has signed up as a participating employer partner.

Benefits

  • Up to an additional $2,500 in down payment assistance, layered with the existing $6,000 for a total of $8,500
  • Assistance is provided as a zero-percent deferred loan

Eligibility requirements

To qualify you must:

State of Maryland government employees do not need to submit a "Verification of Partner Contribution" form with their loan application. Instead, tell your lender that you are a State of Maryland employee. The lender confirms your employment from your Payroll Online Service Center (POSC) pay stub which identifies the employer as State of Maryland.

Additional down payment assistance

You may qualify for an additional $1,000 interest-free deferred loan through Smart Keys 4 Employees if your new home meets both criteria:

  • Located within 10 miles of your workplace OR within the same county as your workplace
  • Located within a Priority Funding Area (check eligibility​ for details)

If you are purchasing a home in Baltimore City, you may be eligible for the Live Near Your Work program​.

Ready to get started?

To learn more, talk to one of our state-approved mortgage lenders​ who can help you get pre-qualified for an MMP loan.