Mortgage Solutions for Massachusetts Homeowners

Navigating the local housing market requires a partner you can trust. We provide personalized mortgage programs and clear guidance to help you reach your homeownership goals with confidence.

Loan Programs

Conventional Loans

FHA Loans

Flexible mortgage options for Massachusetts buyers with strong credit. Available for primary residences, second homes, and investment properties with competitive rates.

Minimum credit score 620 +
Down payment 3-20%
PMI required if less than 20% down

Ideal for first-time homebuyers in MA. FHA loans offer lower down payment requirements and more accessible credit qualifying criteria to help you achieve homeownership.

Minimum credit score 500-579: at least 10% down
580+ credit score: down payment as low as 3.5%

We also offer FHA 203(k) renovation loans, which allow you to finance both the purchase and needed home repairs/renovations into one convenient mortgage.

First-Time Homebuyer Loans

Specialized mortgage programs designed for individuals purchasing their first home in Massachusetts. These options often feature lower down payments and localized grants.

Down payment as low as 3%
Closing cost assistance available
Reduced interest rates for eligible buyers

VA Loans

Honoring those who serve. VA loans provide zero down payment options and no private mortgage insurance for eligible veterans and active service members in Massachusetts.

Jumbo Loans

For higher-priced homes that exceed standard loan limits, with competitive rates and terms for strong borrowers.

Credit score 680+
Down payment 10-20%

Investment Property Loans

Financing for 1–4 unit rental and investment properties, tailored to help you build and grow your real estate portfolio.

Self-Employed Borrower Loans

Designed for business owners and freelancers, using bank statements and flexible income documentation instead of only tax returns.

Non-QM Loans

Flexible options for unique situations, including self-employed borrowers, investors, and clients with non-traditional income.

Home Equity Line of Credit

A revolving line of credit that lets you tap into your home’s equity for renovations, debt consolidation, or other major expenses.