Resources for First-Time Homebuyers

Explore expert tips, mortgage tools, and step-by-step guidance to make your homebuying journey simple and stress-free. Then, when you're ready, we'll connect you with a Mortgage Loan Officer near to you.

Let us help you start your homebuying journey

Buying your first home can feel overwhelming, but you don’t have to do it alone. Our team of experienced Mortgage Loan Officers offer all the tools you'll need from your first loan application to closing.




Community banks can help you buy your first home

Check out our blog post for practical advice and learn how your bank plays a key role in turning your homeownership dreams into reality. Learn about:

  • What a Mortgage Loan Officer is and the role they play in your home purchase
  • Closing costs and other fees
  • What to look for in a banking partner
  • Additional services, and options during the purchase process


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Welcome Mortgage for First-Time Homebuyers

Our Welcome Mortgage is available for qualified first-time homebuyers purchasing a primary single-family residence, condo, or a 2-unit primary residence in Maine, New Hampshire, or Massachusetts.1

Contact a Mortgage Lender

The Mortgage Application Process

Follow our step-by-step guide to applying for a mortgage so you know exactly what to expect.1

Learn How to Apply

Types of Home Loans & Mortgages

Learn about fixed-rate, adjustable-rate, and specialty mortgage programs so you can make an informed decision with confidence.1

Explore Loans & Mortgages

Mortgage Documentation Checklist

Stay organized with a complete list of documents you’ll need for a smooth mortgage application process.1

Read the Checklist

Mortgage Tips for First-Time Buyers

Get practical advice on budgeting, credit scores, and planning ahead so you can start your home-buying journey with confidence.1

Explore Mortgage Tips

Mortgage Calculators

Use our easy-to-use calculators to estimate monthly payments, compare loan options, and determine what you can afford.

Calculate Your Payments

Mortgage Frequently Asked Questions

Find answers to common questions about home loans, interest rates, closing costs, and more all in one place.1

View FAQs

Down Payment Assistance Programs

Discover programs that can help reduce upfront costs and make homeownership more affordable for first-time buyers.1

Browse Assistance Programs

Mortgage Help Center

Need extra guidance? Access helpful articles to make your home-buying experience stress-free.

Visit the Help Center
Planning a mortgage

Additional Questions?

Contact one of our experienced, dedicated Mortgage Loan Officers to answer your questions and determine next steps.

Our Customers Say it Best

Read testimonials from fellow first-time home buyers
“Buying our first home was easier than we ever expected, thanks to Bangor Savings Bank. Their expertise and attentive communication made us feel confident every step of the way. From exploring first-time homebuyer programs to navigating the process seamlessly, it was one of the best experiences we’ve had with a bank.”
Laurel & Nick | Otis, ME

“It took over two years to find my perfect first home. Kayla, my loan officer, was always responsive and supportive; answering all my questions and guiding me along the way. I highly recommend Bangor Savings Bank to anyone looking for a bank that genuinely cares about its customers.”

Micaela | Brewer, ME
1 Loans, credit cards, mortgages, and home equity lines of credit are subject to credit approval.