Purchase

First-Time Homebuyers

 

If you have not owned a home for the most recent three years, you are considered a first-time homebuyer. First-time homebuyers may be eligible for mortgage loan programs with low fixed interest rates and little to no down payment requirement. Learn more about first-time homebuyer programs.

Primary Residency Homes

 

Whether buying your first home, moving to Maine, relocating, or downsizing, you can trust our experienced loan officers to help you select a home mortgage that fits your needs. We offer mortgages for single-family homes and two to four-unit homes. In addition, if you are willing to take on landlord responsibilities, rent paid by tenants can help with your mortgage payment. 

Vacation & Second Homes

 

Maine has many beautiful four-season second homes, including lakeside homes, ski condos, and other vacationland properties. If you want to purchase a second home, let our trusted mortgage professionals help you.

You can count on KFS Mortgage Company to provide reliable resources, mortgage loan guidance, and assistance throughout the homebuying process. Properties must be suitable for year-round use and meet specific requirements.

2-4 Unit Homes

 

Two to four-unit homes are an attractive option. If you are willing to take on landlord responsibilities, rent paid by tenants can help with your mortgage payment.

Investment Properties

 

One of the best ways to enhance wealth is by purchasing non-owner-occupied, 1- to 4-family investment properties. We offer fixed-rate loans and conventional and non-conforming mortgage products at attractive terms for up to 30 years.

Now that you know a few basics about purchasing a home in Maine, you may want to know the next steps. We are here to guide you through the entire process.

Manufactured Homes

 

With fixed-rate mortgage options, purchasing a manufactured home is a great way to become a homeowner with little to no down payment. We offer financing for single-wide and double-wide mobile homes and more. Your manufactured home must be permanently affixed to the land. If you do not already own land, we can include that in your mortgage loan when purchasing a new manufactured home to be installed by a dealer.