Acadia Lending Group

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Acadia Lending Group Mortgage company offering advice & assistance to current and future homeowners. NMLS 370636

Did you know that your monthly expenses and your debt-to-income ratio aren't the same thing?Your debt-to-income ratio co...
10/06/2026

Did you know that your monthly expenses and your debt-to-income ratio aren't the same thing?

Your debt-to-income ratio compares your monthly debt payments with your gross monthly income. It can affect your mortgage options, but there is no single number that determines the outcome.

Our updated guide explains how to calculate your DTI, what lenders may consider a good range, and how FHA loans may offer additional flexibility.

Read the guide: https://mainemortgage.com/debt-to-income-ratio/

Acadia Lending Group | NMLS #370636

It's that time again! 😊Nominate Acadia Lending Group for this year's Best of the 207 contest! Category: -> Choose "Home ...
10/01/2026

It's that time again! 😊

Nominate Acadia Lending Group for this year's Best of the 207 contest!

Category:
-> Choose "Home & Garden"
-> Choose "Home Mortgage" (at the very bottom!)

As always, we appreciate your support.

https://bestofthe207.com/nominate/

Should you build a new home or renovate the one you have?The answer may determine which type of financing makes the most...
09/23/2026

Should you build a new home or renovate the one you have?

The answer may determine which type of financing makes the most sense.

A construction loan is designed to finance the building of a new home.

A renovation loan helps finance improvements to an existing home.

Understanding the difference is an important first step before planning your project.

Our Complete Guide to Construction Loans explains how construction financing works, compares construction loans and renovation loans, and answers many of the questions we hear from borrowers throughout Maine and New Hampshire.

📖 https://mainemortgage.com/construction-loans-guide/

NMLS 370636

Building a home is an exciting journey, but figuring out the financing can feel overwhelming.Questions like...❓ Do I nee...
08/25/2026

Building a home is an exciting journey, but figuring out the financing can feel overwhelming.

Questions like...

❓ Do I need to own land before I apply?
❓ Can I finance the land and the construction together?
❓ What is a One-Time Close Construction Loan?
❓ Can I build on family-owned property?
❓ How much money do I need for a down payment?
..are some of the most common questions we hear.

That's why we created our most comprehensive guide to construction loans yet.

Whether you're planning your first home, your forever home, or a seasonal getaway in Maine or New Hampshire, this guide walks you through the construction financing process from start to finish, including common misconceptions, helpful tips, and answers to frequently asked questions.

📖 Read the Complete Guide to Construction Loans:
https://mainemortgage.com/construction-loans-guide/

Have questions about building a home? Our team is always happy to help.

NMLS 370636

FAQ FRIDAYOne of the biggest concerns people have about reverse mortgages is whether they'll still be able to leave thei...
08/14/2026

FAQ FRIDAY

One of the biggest concerns people have about reverse mortgages is whether they'll still be able to leave their home to their children or other loved ones.

The good news is that a reverse mortgage doesn't automatically mean your family loses the home. When the loan becomes due, your heirs have options. Depending on their circumstances, they may choose to sell the home, refinance the loan to keep the property, or use other available funds to satisfy the loan balance.

Understanding how reverse mortgages work can help families make informed decisions instead of relying on common misconceptions.

Learn more by reading our Reverse Mortgage Questions Answered guide:
https://mainemortgage.com/reverse-mortgage-questions/

NMLS 370636

Myth Monday: USDA LoansThere are a lot of misconceptions about USDA loans, so let's clear up a few of the most common on...
08/10/2026

Myth Monday: USDA Loans

There are a lot of misconceptions about USDA loans, so let's clear up a few of the most common ones!

❌ Myth #1: You have to be a first-time homebuyer.
✅ Fact: USDA loans are available to both first-time and repeat buyers, as long as you meet the program's eligibility requirements.

❌ Myth #2: Only homes in the middle of nowhere qualify.
✅ Fact: Many small towns and suburban communities throughout Maine and New Hampshire may be eligible.

❌ Myth #3: USDA loans are only for low-income buyers.
✅ Fact: USDA loans have income limits, but many working individuals and families are surprised to find they qualify.

Every homebuying journey is different, and understanding your financing options is an important first step. If you have questions about USDA loans, we're here to help.

🏡 Learn more:
https://mainemortgage.com/usda-loans/

Acadia Lending Group | NMLS 370636

One of the biggest surprises for many homebuyers is that USDA loan eligibility starts with the property's location.While...
08/04/2026

One of the biggest surprises for many homebuyers is that USDA loan eligibility starts with the property's location.

While USDA loans are intended for homes in eligible rural and suburban areas, those areas often include communities that buyers don't expect. A home doesn't have to be on a farm or surrounded by acres of land to qualify.

If you're exploring your financing options, don't count yourself out based on assumptions. You may have more choices than you think.

Have questions about USDA loans or wondering if a specific property may qualify? We're always happy to help.

🏡 Learn more about USDA loans:
https://mainemortgage.com/usda-loans/

Acadia Lending Group | NMLS 370636

MYTH MONDAY:"You have to own land before you can apply for a construction loan."Not necessarily.Depending on the loan pr...
07/27/2026

MYTH MONDAY:

"You have to own land before you can apply for a construction loan."

Not necessarily.

Depending on the loan program, eligible borrowers may be able to finance both the land purchase and the construction of their new home together.

Every situation is different, which is why it's important to understand your options before purchasing land or signing a building contract.

If building a home is in your future, our Complete Guide to Construction Loans in Maine answers this question and many more.

📖 https://mainemortgage.com/construction-loans-guide/

NMLS 370636

Building a home? Here's a term you'll probably hear:One-Time Close Construction LoanInstead of closing on a construction...
07/27/2026

Building a home? Here's a term you'll probably hear:

One-Time Close Construction Loan

Instead of closing on a construction loan first and then refinancing into a permanent mortgage later, a One-Time Close Construction Loan combines both into a single closing.

For many borrowers, that can mean a simpler financing process with fewer steps along the way.

Curious how it works? Our Complete Guide to Construction Loans explains One-Time Close Construction Loans, financing land, the construction process, and answers many of the questions we hear from homebuyers in Maine and New Hampshire.

📖 https://mainemortgage.com/construction-loans-guide/

NMLS 370636

MYTH MONDAYMyth: "If you get a reverse mortgage, the bank owns your home."False.One of the biggest misconceptions about ...
07/13/2026

MYTH MONDAY

Myth: "If you get a reverse mortgage, the bank owns your home."

False.

One of the biggest misconceptions about reverse mortgages is that you give up ownership of your home. In reality, you remain the homeowner and continue to hold the title.

Like any mortgage, there are ongoing responsibilities. Homeowners must continue to:
✔ Live in the home as their primary residence
✔ Pay property taxes
✔ Maintain homeowners insurance
✔ Keep the home in good condition

A reverse mortgage simply allows eligible homeowners to convert a portion of their home's equity into usable funds while continuing to live there.

If you've ever wondered how reverse mortgages really work, we've answered many of the most common questions in our guide:

https://mainemortgage.com/reverse-mortgage-questions/

NMLS 370636

Address

10 Donald B Dean Drive, Suite 2
South Portland, ME
04106

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm
Saturday 8:30am - 5pm

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