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mortgages Buying a Home - Massachusetts Real Estate and Mortgages

Buying a Home - Massachusetts mortgages, down payment assistance and first time home buyer grants for buying Massachusetts real estate.

Research the available Massachusetts mortgages and home loan programs for buying Massachusetts real estate.

Bookmark this page for your home buying reference and email this page to the next person you know who will be buying Massachusetts real estate. 

Government grants for buying a home

Here are some links for government grants for buying a home in Massachusetts.


Massachusetts Housing Finance Agency (MHFA)
One Beacon Street
Boston, MA 02108
Phone: (617) 854-1000
Fax: (617) 854-1029

Massachusetts Department of Housing and Community Development (MDHCD) - resources for housing education and programs

How to attain housing assistance in Massachusetts - handbook of resources

How to attain housing assistance in Massachusetts - handbook of resources

Massachusetts Housing Partnership Fund (MHP) - affordable homeownership programs

Housing consumer education centers - various resources


Allston Brighton Community Development Corporation
15 North Beacon Street
Allston, MA 02134
Phone: (617) 787-3874
Fax: (617) 787-0425


City of Boston housing resources
Homeowner Options for Massachusetts Elders
137 South Street
Boston, MA 02111
Phone: (617) 451-0680
Fax: (617) 451-2364

Consumer Credit Counseling Services of Massachusetts
8 Winter St 10th floor
Boston, MA 02108-4705
Phone: (617) 426-6644
Toll-Free: (800) 282-6196
Fax: (617) 960-1492

Citizens' Housing and Planning Association, Incorporated (CHAPA)
18 Tremont Street, Suite 401
Boston, MA 02108
Phone: (617) 742-0820
Fax: (617) 742-3953

The Housing Partnership Network
160 State Street, 5th Fl
Boston, MA 02119
Phone: (617) 720-1999
Fax: (617) 720-3939

Metropolitan Boston Housing Partnership, Incorporated
569 Columbus Ave
Boston, MA 02118-1180
Phone: (617) 425-6767
Fax: (617) 437-9311


Acorn Housing Corporation
13 1/2 Perkins St.
Brockton, MA 02302
Phone: (508) 580-4111
Fax: (508) 580-0278

Dove Community Development Corporation
18 Cottage St.
Brockton, MA 02301
Phone: (508) 580-0091
Fax: (781) 963-5570


Family Service of Norfolk County
18 Norfolk Street
Dedham, MA 02026
Phone: (781) 326-0400
Fax: (781) 326-1141


Acorn Housing Corporation
1453 Dorchester Ave
Dorchester, MA 02122-1338
Phone: (617) 436-6161
Fax: (617) 436-4878

Massachusetts Affordable Housing Alliance
1803 Dorchester Ave.
Dorchester, MA 02124
Phone: (617) 265-8995
Fax: (617) 265-7503


Neighborhood of Affordable Housing
22 Paris St
East Boston, MA 02128
Phone: (617) 567-5882
Fax: (617) 567-7563


Catholic Social Services
783 Slade St
Fall River, MA 02724-2509
Phone: (508) 674-4682
Fax: (508) 675-2224


Twin Cities Community Development Corporation
195 Kimball Street
Fitchburg, MA 01420
Phone: (978) 342-9561
Fax: (978) 345-7905


Catholic Charities North
11-15 Parker St
Gloucester, MA 01930-3017
Phone: (978) 740-6923
Fax: (978) 745-1863


Housing Assistance Corporation
460 West Main Street
Hyannis, MA 02601
Phone: (508) 771-5400
Fax: (508) 775-7434

Legal Services of Cape Cod and Islands, Incorporated
460 W Main St
Hyannis, MA 02601-3653
Phone: (508) 428-8161
Toll-Free: (800) 742-4107
Fax: (508) 790-3955


City Life/ Vida Urbana
3353 Washington Street
Jamaica Plain, MA 02130
Phone: (617) 524-3541
Fax: (617) 524-3555


Merrimack Valley Housing Partnership
10 Kirk Street
Lowell, MA 01852
Phone: (978) 459-8490
Fax: (978) 459-0194

Community Teamwork, Inc.
167 Dutton Street
Lowell, MA 01852
Phone: (978) 459-0551
Fax: (978) 453-9128

Coalition for a Better Acre
450 Merrimack Street
Lowell, MA 01854
Phone: (508) 452-7523
Fax: (508) 452-4923


Housing Allowance Project, Incorporated
20 Hampton Ave Suite 185
Northampton, MA 01060
Phone: (413) 584-8495
Toll-Free: (800) 851-8495
Fax: (413) 586-3571


Berkshire Housing Development Corporation
74 North St
Pittsfield, MA 01201-5116
Phone: (413) 499-1630
Fax: (413) 445-7633


Plymouth Redevelopment Authority
11 Lincoln Street
Plymouth, MA 02360-
Phone: (508) 830-4115
Fax: (508) 830-4116


Quincy Community Action Programs, Incorporated
1509 Hancock St
Quincy, MA 02169-5200
Phone: (617) 479-8181
Fax: (617) 479-7228


Urban Edge Housing Corporation
2010 Columbus Ave
Roxbury, MA 02119
Phone: (617) 522-5515
Fax: (617) 522-5584


Acorn Housing Corporation
1655 Main Street #204
Springfield, MA 01103
Phone: (413) 736-7713
Fax: (413) 736-7715

Hampden Hampshire Housing Partnership
322 Main St
Springfield, MA 01105
Phone: (800) 332-9667
Toll-Free: (800) 332-9667
Fax: (413) 731-8723


Community Service Network, Incorporated
52 Broadway
Stoneham, MA 02180-1003
Phone: (781) 438-1977
Fax: (781) 438-6037


Pro-Home Incorporated
PO Box 2793
Taunton, MA 02780
Phone: (508) 821-1092
Fax: (508) 821-1091


Rural Development Incorporated
42 Canal Road
Turners Falls, MA 01376
Phone: (413) 863-9781
Fax: (413) 863-8160


Housing Allowance Project, Incorporated
79 Broad St
Westfield, MA 01085-2925
Phone: (413) 568-7200
Fax: (413) 785-1251

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Down payment assistance 

Below are down payment assistance programs that may be used to buy a home in Massachusetts.

Nehemiah - down payment assistance program for buying a home with no money down.

HART - down payment assistance program allows you to buy a home with no money down.

Neighborhood gold - this is another down payment assistance program that allows you to buy a home with no money down.

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Bad credit loans for buying a home or refinancing.

There are many mortgage lenders who specialized in bad credit loans for buying a home in Massachusetts or refinancing. Use the link below to complete a form from our partner LendingTree and receive offers from lenders who maybe able assist you.

Bad Credit Mortgage Loans - these types of mortgages are for those individuals  with the following types of issues:

  • bankruptcy in the last 2 years

  • foreclosure in the last 3 years

  • low credit scores below 620

(not sure what your credit score is, get a Free Credit Report)

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Mortgages and Home Loans

These website can assist your with obtaining mortgages for buying a home in Massachusetts.

FHA loans - government insured mortgages that allow you to buy a home with only 3% down payment.

VA loans - if you are a veteran, you may buy a home with no money down.

Conventional Loans - any mortgage loan that requires 5% down payment and is less than $417,000 for a single family home.

Jumbo Loans - any mortgages where the loan amount is higher than $417,000 for a single family home.

Mortgages - this site has information regarding fannie mae and freddie mac conventional loans.

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Mortgage Calculator

Use this mortgage calculator to calculate the monthly mortgage payment based on the required loan amount, current mortgage rates, and loan term of various types of mortgages you research on this page.

Following are instructions to calculate a mortgage for buying a home:

  1. Subtract your estimated down payment from the price of the home you wish to buy and enter the value in "Loan Amount" (Remember that if the down payment is less than 20% of the sale price you will have the added expense of Mortgage Insurance which is not figured into this calculation.)
  2. Estimate Annual Property Tax and Homeowners Insurance and enter these values.
  3. Each time you change a value hit "Calculate Now" to see what the effect is. 
Put Inputs Here



Loan Amount:

Annual Tax:

Annual Insurance:


Monthly Principle + Interest

Monthly Tax

Monthly Insurance

Total Payment

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Massachusetts Real Estate of Homes for Sale

Now that you understand the home buying process and have been pre-approved for a mortgage loan get started searching  Massachusetts real estate of homes for sale.

Complete the form below for direct access to the following types of Massachusetts real estate listings:

  • Massachusetts Real Estate Listings and MLS
  • Massachusetts HUD Homes
  • Massachusetts For Sale By Owner Homes
  • Massachusetts New Homes for Sale
  • Massachusetts Foreclosure Homes for Sale
Access Massachusetts Real Estate Listings

You will get free unlimited access to search Massachusetts real estate listings and as an added benefit for signing up you will receive all of the free home buying guides via email. If you feel that this site is beneficial, please email this page to the next person you know that may be thinking of buying a home.


First & Last Name

Email Address

How soon will you be buying a home?

You will be sent an email with all of the home buying guides and checklists available for downloading shortly. You will automatically be redirected to the real estate homes for sale research page.

May we contact you via email


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