MaineHousing provides low fixed rate mortgages and other assistance to help make homeownership affordable for more Maine people. No point, low point and extended payment term options are available. There are options with little or no down payment required, though if you still need help with the cash needed for closing, we also offer down payment and closing cost assistance. MaineHousing mortgages even come with payment protection for unemployment. And if you have a MaineHousing mortgage, you can be sure it will never be sold to anyone, it stays with us.