State Benefit·Maryland·🏠Housing & Home Loans

Maryland Mortgage Program - Veterans First-Time Homebuyer Exemption

Veterans may use Maryland Mortgage Program (MMP) loan products without meeting the first-time homebuyer requirement.

Verified May 12, 2026againstmmp.maryland.gov

At a glance

Benefit type: Housing & Home Loans — Maryland
Who it's for: Veterans, Active Duty
VA rating needed: No rating requirement
Where it applies: Maryland
Last verified: May 12, 2026

What is Maryland Mortgage Program - Veterans First-Time Homebuyer Exemption?

Maryland Mortgage Program - Veterans First-Time Homebuyer Exemption is a Maryland housing & home loans benefit for veterans, active duty. Veterans may use Maryland Mortgage Program (MMP) loan products without meeting the first-time homebuyer requirement.

Who qualifies

VeteransActive Duty

Available to any veteran
Maryland residency

How to apply

Apply through the official Maryland agency.

Open application

Who is eligible

Eligibility

Military veteran or active duty service member. Must occupy home as primary residence. Must meet MMP income limits (vary by location and household size).

Veterans using their exemption for the first time do NOT need to be first-time homebuyers, but if not a first-time homebuyer they must purchase in a Targeted Area and meet that jurisdiction's household income limits.

The legacy "Maryland Homefront" branded rate discount product is no longer listed as a current MMP product; rate incentives vary by lender and program. Apply through a participating MMP-approved lender to determine current veteran-specific pricing.

Verified information & sources

Last verified: May 12, 2026

Official source: mmp.maryland.gov

Compiled and fact-checked against the official source linked above. Benefit rules and dollar amounts change over time — always confirm current details at the official source before applying. A county Veterans Service Officer (VSO) is a free, accredited advocate who can review your eligibility and help you file at no cost.

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Frequently asked questions about Maryland Mortgage Program - Veterans First-Time Homebuyer Exemption

Who qualifies for Maryland Mortgage Program - Veterans First-Time Homebuyer Exemption?▾

Maryland Mortgage Program - Veterans First-Time Homebuyer Exemption is for Veterans, Active Duty; available to any veteran; maryland residency. See the eligibility details on this page and confirm with the official source before applying.

How do I apply for Maryland Mortgage Program - Veterans First-Time Homebuyer Exemption?▾

Apply through the official source linked on this page. A county Veterans Service Officer (VSO) can review your eligibility and help you file at no cost.

Where can I verify Maryland Mortgage Program - Veterans First-Time Homebuyer Exemption?▾

Benefit rules and dollar amounts change, so always confirm current details at the official source linked on this page. A free, accredited county or state Veterans Service Officer (VSO) can also verify your eligibility and help you apply.

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