Mass Housing


Put simply, the MassHousing Mortgage offers competitive interest rates with low downpayment options. This affordable loan from the state’s affordable housing bank is just right for first-time homebuyers as well as those looking to move up or
refinance. With its flexible underwriting and fixed rate financing, it’s the perfect mortgage loan for low- and moderate income households. Want more information on Mass Housing loans? CONTACT ME



• Up to 97% financing with no cash required on single family homes and condos
• Maximum income limits as high as $120,825 (varies by city or town)
• MI Plus™ mortgage insurance helps pay the mortgage in case of job loss
• Affordable loan limits
• Purchase & Rehab option available to first-time buyers
• Approved community second mortgages allowed
• 30-and 60-day rate locks available
• Conventional appraisal guidelines
• Non-traditional credit allowed


• Competitive interest rates
• Low monthly payments
• Low mortgage insurance coverage requirement
• Up-front third-party-paid mortgage insurance premiums available – eliminating borrower’s monthly mortgage                 insurance payment
• Safe, fixed-payment, limited cash-out refinance options
• Quick underwriting decisions made by lenders overseen by MassHousing
• No risk-based loan pricing adjustments or mortgage insurance premium adjustments


• One fixed monthly payment for the life of the loan
• Borrower’s principal and interest payments, up to a maximum of $2000 per month, are covered for up to
six months if they become unemployed (if the loan carries mortgage insurance)
• Loan payments made to MassHousing, a customeroriented service provider
• MassHousing is a lender you can trust
TEL: 617.854.1000 VP: 866.758.1435



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