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With help from a government-backed program, qualifying buyers can take advantage of more flexible credit and income requirements.

Key Features

  • Competitive Rates
  • Quick Decisions
  • Local Processing
  • Helps homebuyers in the state of Massachusetts
  • Affordable interest rates, fixed for the life of the loan
  • Low down payment options
  • Flexible underwriting and income limits
  • Flexible repayment terms
  • Mortgage payment protection, which helps pay your loan in case you lose your job
  • No hidden fees or other surprises
  • Loans serviced by MassHousing

Learn More

Visit for current rates, homebuying tips, and more information about the MassHousing agency.

  • Typically for first-time homebuyers or people with limited cash for a down payment and closing costs
  • Federally guaranteed, which can make home buying more affordable
  • May require a smaller down payment
  • May offer a lower interest rate than a comparable conventional loan
  • Flexible repayment terms
  • Helps qualifying members and former members of the U.S. Military purchase a primary residence
  • Federally guaranteed, which can make home buying more affordable
  • Fixed/level payment of principal and interest for the life of the loan
  • Flexible repayment terms
  • Monthly mortgage insurance not required
  • In some cases, no down payment requirement