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Government Mortgage Programs

Lowering the barriers to homeownership.

Buying a home is a major milestone in life, and sometimes you need a little extra help getting there. As a local bank, we help neighbors in our Massachusetts and Rhode Island communities by providing access to special mortgage program backed by state and federal governments that reduce some of the up-front financial costs and requirements that make it difficult for some people to qualify for a mortgage.


Find the program that lifts you up.

Supporting your homeownership dreams

When it comes to home mortgages, there's no cookie-cutter solution. We want to help you find the right home loan so you can start enjoying a better life.

These Government Mortgage Programs typically include lower down payments and other features ideal for qualified first-time buyers and those who need some extra financial assistance.

Federal House Administration (FHA) home loans have been backed by the U.S. government since 1934, making them a reliable option for qualifying borrowers. Here's what they include:

  • Smaller down payments
  • Competitive interest rates
  • More flexible credit and income guidelines

Massachusetts residents of modest income might qualify for special mortgages from MassHousing, a not-for-profit agency.

  • Rockland Trust participates in MassHousing's Buy Cities program
  • Affordable home loans with low or no down payment
  • Available to homebuyers in 11 Massachusetts communities

Massachusetts Housing Project's ONE Mortgage Program is designed for homebuyers who want to know their mortgage is financially stable.

  • Affordable, fixed-rate option
  • Low down payment
  • Low monthly payments

We're proud to serve those who serve our country by providing veterans access to home loans backed by the Department of Veterans Affairs (VA). You're eligible if you've served at least 181 days of active duty or at least six years in the National Guard.

  • Low or no down payment
  • Available with a fixed or adjustable rate

Choose the home loan that's best for you VIEW ALL LOAN OPTIONS


Additional Resources

Helping you every step of the way 

How Much Can
I Afford?¹

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5 Questions when Choosing a Home

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Meet with a Business Specialist 

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Find a Mortgage Lender

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1.  Calculator is for estimation purposes only. Actual loan amounts may vary based on borrower's unique circumstances.