Loan Programs

Every borrower is different. We shop dozens of lending partners to match you with the right program at the best rate — here are the programs we arrange, starting with the most popular.

Conventional Loans

The most popular way to buy or refinance a home. Conventional loans offer competitive rates, down payments as low as 3–5% for qualified buyers, and no upfront mortgage insurance fee — and once you reach 20% equity, monthly PMI can be removed. Choose a 30-year fixed for the lowest stable payment, a 20-year to build equity faster, or a 15-year fixed to save the most interest over the life of the loan. Rates and payments never change, and there are no prepayment penalties.

FHA Loans

Federally insured loans with as little as 3.5% down and more forgiving credit and income guidelines. A favorite of first-time buyers and anyone rebuilding credit — and when you've built equity, we can often refinance you into a conventional loan to drop the mortgage insurance.

VA & USDA Loans

Veterans, active-duty service members and eligible surviving spouses can buy with 0% down and no monthly mortgage insurance through a VA loan. USDA loans offer 0%-down financing on eligible rural and suburban properties. Ask us whether you qualify — many borrowers don't realize they do.

Jumbo Loans

Financing for loan amounts above the conforming limit. We arrange competitive jumbo rates through our lending partners — see today's jumbo rate on our rates page, and call us for a quote tailored to your scenario.

Adjustable-Rate Mortgages (ARMs)

Hybrid ARMs (3/1, 5/1, 7/1, 10/1) lock your rate for the first 3–10 years, then adjust annually. The starting rate is often lower than a fixed mortgage — a smart fit if you expect to sell or refinance within the fixed period.

2/1 Buy-Down Mortgage

Start at a below-market rate that steps up 1% after year one and 1% after year two, then stays fixed for the remaining term. Sellers often pay for the buydown as a negotiating concession, lowering your payments in the years money is tightest.

Non-QM Loans

Flexible programs for borrowers who fall outside traditional documentation rules — self-employed professionals, business owners, and real estate investors. Great credit and income don't always come with a W-2, and these programs recognize that.

No Doc Loans

For experienced investors: qualification is based on the property, your assets and your equity — not tax returns or employment verification. A streamlined path when speed and privacy matter.

DSCR (Debt Service Coverage Ratio) Loans

Investment-property financing that qualifies on the property's rental income rather than your personal income. No tax returns or pay stubs — if the property cash-flows, it qualifies. Popular for residential rentals, commercial and mixed-use properties.

Bank Statement Loans

Qualify using 12–24 months of bank statements instead of tax returns. Built for self-employed borrowers whose tax returns understate their real cash flow.

Fix & Flip Loans

Short-term financing (typically 6–18 months) for investors who buy, renovate, and resell. Fast approvals so you can move quickly when an opportunity appears.

Commercial Mortgages

We also arrange financing for commercial property in Massachusetts and beyond. Call us to discuss your project.

Not sure which program fits? Get a free quote, ask our AI assistant, or call us — a real person answers.