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[H2] Latest CD Rates
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[H1] Home Mortgages
[H2] It’s About Your Dream, Not Just The Numbers.
We’ve helped more than 50,000 of our neighbors find their way home.
Find a Home Loan Expert Near YouThe path to your dream starts when you connect with a Meridian Mortgage Loan Officer. On the way, you’ll get a great rate, reliable communications and a speedy, stress-free experience.
Today, more than ever, you need a trusted, knowledgeable advisor to guide you to your dream. Meridian’s locally based Mortgage Loan Officers know how to optimize current conditions to your advantage. And they have access to a variety of tools and specialty programs that can help you overcome obstacles encountered along the way.
[H3] What Your Neighbors Have to Say about Meridian Mortgage

“Phenomenal service! They are incredibly fast, always responding within seconds to any inquiry. They made the entire lending process seamless and efficient. I couldn’t be happier with the experience.”
Yu Jun SFalling Waters, WV

“Meridian Bank is Second to None!”
Richard ONorwalk, IA

“They worked with us through the entire process, making everything super easy. Thank you, Meridian Bank!”
Timothy WBaltimore, MD

“Great communication, competitive products, and personalized service! I highly recommend Meridian!”
Thomas DArnold, MD

“Great communication, a passionate team ready to help at a moment’s notice — everything I could have asked for when buying our first home.”
Elton ABaltimore, MD

“Great company and truly were there for every question my wife and I had during the buying process! Would recommend for friends and family!”
Alexander MDover DE

“Great people to work with . Hassle free !”
Mohammad SNew Castle, DE

“Extremely Friendly and inviting atmosphere. Great people that are constantly educating their clients on the banking industry and how they are there to help in many ways. Always responsive and treated as a friend rather than an account number.”
John FGlen Mills, PA

“The team at Meridian bank were very accommodating and assured I had a pleasant experience as a first time home buyer. They did a great job at helping me understand all documents involved and their purpose. I’d highly recommend Meridian to anyone looking for a lender.”
Hunter GBridgeville, DE

“The process was very pleasant and up to date. Very easy. and if I had questions they were answered very quickly. I love Meridian Bank Mortgage.”
Harry WAlbany, GA

[H2] Ask a Meridian Mortgage Loan Officer if you can take advantage of these special programs
Select your state to see the programs offered
PennsylvaniaPennsylvania Housing Finance Agency (PHFA)
Pennsylvania offers several mortgage programs assisting the buying and refinancing of a home. The eligibility requirements are different depending on the loan program. PHFA offers programs with expanded underwriting and down payment assistance options for borrowers who qualify.
Keystone Home Loan
Homebuyers can take advantage of below market interest rates who have low to moderate income. Take advantage of this program and put as little as $1,000 into the transaction.
PHFA K-FIT
Paired with the Keystone Home Loan, this is a down payment and closing cost assistance where a homebuyer can receive 5% of the purchase price or appraised value towards the transaction!
Must meet income and purchase price limits
Must have a middle credit score of a 660
Must complete counseling
Homes located in a targeted area, there are no first time homebuyer requirements
You don’t have to pay back the money monthly but it is only repaid if you sell the home within 10 years, 10% is forgiven each year.
PHFA K-FLEX
Similar to K-FIT, this program allows for a small percentage of the purchase price or appraised value to go towards down payment and closing costs. There is no first time homebuyer requirement.
Philly First Home Grant
Homebuyers can take advantage of this Philadelphia specific down payment assistance program and receive the lesser of 6% of the purchase price up to $10,000! You can take advantage of buying a single-family home or a duplex. The property can’t be a condo.
The money isn’t paid back monthly and is only repaid if you sell the house within 15 years.
New JerseyThe New Jersey Housing and Mortgage Finance Agency (NJHMFA) Smart Start
The Smart Start program is available to participants in the New Jersey Housing and Mortgage Finance Agency’s (NJHMFA) First-Time Homebuyer and Homeward Bound programs. Homebuyers can take advantage of either $10,000 or $15,000 in down payment and closing cost assistance. The amount depends on the county.
DelawareDSHA Smart Start Program
The DSHA Smart Start program supports both first-time and repeat homebuyers with low-to-moderate incomes by offering below-market interest rates to qualified buyers on VA, FHA, USDA, and Conventional loans. Available for homes purchased anywhere in Delaware, this program is designed to make homeownership more affordable by lowering monthly payments and providing flexible financing options.
DSHA First State Home Loan Program
Both first-time and repeat homebuyers with low-to-moderate incomes may be eligible for the DSHA First State Home Loan Program. This program offers qualified buyers below-market interest rates statewide in Delaware, along with a 0% APR interest down payment and assistance loan of up to 4% of the first mortgage amount.
This assistance is deferred, meaning no monthly payments are required. Depending on the purchase price, this benefit can amount to $25,000 or more in down payment assistance, helping reduce upfront costs and making homeownership more accessible.
MarylandMaryland Mortgage Program (MMP)
The MMP is available statewide and aims to make homeownership affordable by offering mortgage financing, down payment assistance, and more. MMP programs and initiatives include:
MMP 1st Time Advantage
MMP Flex Loans
Partner Match
Montgomery Homeownership Program
HomeAbility (assists homebuyers with disabilities)
Maryland SmartBuy (for homebuyers with eligible student debt)
Greenbelt Home Advantage
HomeSmart DPA Loan
Settlement Expense Loan Program (SELP)
The SELP assists first-time homebuyers with low and moderate income. Available in participating counties in Maryland. $10,000+ available on a first come, first served basis. Each county provides specific eligibility requirements.
Baltimore City Grants
First-Time Homebuyers Incentive Program (FTHIP)
Buying into Baltimore
City Living Starts Here
Trolley Tour
Vacants to Value
Live Near Your Work
Baltimore City Employees Grant
Pathway to Purchase
Pathway to Purchase is available to the entire Prince George’s county in Maryland for first-time homebuyers. It is a deferred loan up to $10,000 on a first come, first served basis.
Employer Match Programs
Employer Match Programs such as Live Near Your Work, House Keys 4 Employees, and Smart-Keys. Participating employers in Maryland offer funds to first-time homebuyers. Employer can establish eligible neighborhoods and amounts. These funds are sometimes matched by local jurisdictions. Check with your employer’s human resources department.
NationwideFederal Home Loan Banks (FHLBanks)
FHLBanks provide grants in amounts up to $20,000 on a first come, first served basis. Available in all states for first-time homebuyers.
Federal Housing Administration (FHA) Loans
FHA loans offer low down payments, reduced closing costs and easy credit qualifying. FHA loans can assist qualified first-time homebuyers, borrowers looking to rehab a home or improve energy efficiency and more.
USDA / Rural Housing Loans
USDA/RHS loans, backed by the U.S. Department of Agriculture, partner with local lenders to help them extend 100% financing opportunities to individuals and families.
Qualified buyers and properties may be eligible for 100% financing
Low monthly mortgage insurance – you may qualify for a larger loan
Flexible closing cost sources
No maximum purchase price limit
Closing costs can come from any source including gifts
Fannie Mae HomeReady® Mortgage (FNMA HomeReady)
Creditworthy, low-to-moderate income borrowers may be eligible for the FNMA HomeReady program. It offers:
A low down payment (up to 97% financing)
Flexible down payment and closing cost sources
No income limits in low-income areas
Homeownership education
Conventional home financing
Reduced mortgage insurance costs
VA Loans
Qualifying Veterans can purchase or refinance a home with flexible credit criteria. Veterans Affairs (VA) loans offer:
Zero-down payment
Cash-out refinances up to 100% of the appraised home value
No PMI requirement
Subject to availability of program funds. Availability of any program or any amounts stated is not guaranteed. Other terms and conditions apply and borrower loan qualification required. Not all grant/assistance programs can be used together or combined. Lender is not an affiliate with any assistance program. Meridian Bank, NMLS#462854, Maryland State License #23919.
[H2] Mortgage Resources
[H3] Why Choose
Meridian
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[H3] Mortgage
Calculator
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[H3] Mortgage
Tips
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[H3] Mortgage
Glossary
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[H3] Thinking About Refinancing?
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[H3] Questions about your current Meridian mortgage?
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[H2] Ready to get started or have questions?
Find a Home Loan Expert Near You

[H1] Account Resources
Banking with Meridian means you get the team that’s constantly working to improve our products and services to better meet your needs.
[H2] Digital Banking
For whatever type of banking you do, we have a host of tools to help you manage your money.
PersonalBusinessTreasury Management
[H2] Lost or Stolen Meridian Bank Card?
Call us immediately at our 24-hour customer service number if your Meridian Bank card has been lost, stolen or compromised.
Credit Card:
855.401.4743
Debit Card:
855.796.8660
[H2] Visa® Debit Card & Mobile Wallet
Your Meridian Debit Card gives you the access that you want with the added security that you need. Add it to your mobile wallet for even more convenience.
[H2] Open an Account
Our application process is designed to minimize delays and get your money working for you as quickly as possible.
[H2] Wire Transfers
Learn More
[H2] Reorder Checks
Start Here
[H2] Loan AutoPay
Have your Meridian loan payments automatically deducted from your Meridian deposit account.
[H2] Manage & Pay Mortgage
View loan details, make payments and view payment history, or get help with your loan.
[H2] Resource Center
To help you get the most out of our banking services, we’ve put together helpful resources and security tips for you to use.
Learn More

[H1] Contact Us
[H2] Questions, comments or (gulp!) complaints?
Drop us a line using the form below, we’ll get back to you soon.

[H3] Phone
866.327.9199
[H3] Email
info@meridianbanker.com
[H3] Fax
610.644.5350
[H3] Social
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[H3] Lost or stolen card
Call us immediately at our 24-hour customer service number if your Meridian Bank card has been lost, stolen or compromised.
Credit Card:
855.401.4743
Debit Card:
855.796.8660