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MASS HOUSING

By
Mortgage and Lending with Prospect Mortgage NMLS #40660

MASS HOUSING
 
Mass Housing is an option that I think some people overlook.  They have great rates and many little nuances for
a loan that may not be able to go FHA.
Down payment can be as little as 3% on a single family and condominium.
Mortgage insurance is cheaper than FHA and there is no upfront mortgage insurance. There is also
an option for 1 time payment of MI- seller or lender paid.
There are income limitations and the client must owner occupy the property, and
also cannot own any other property. 
Homebuyer counseling is required for all first time homebuyers and Landlord counseling for 2,3 and 4 family unit purchases.
Another awesome feature is that they will do up to a $7500 holdback.
 Maybe the home needs to be painted - and we all know that's not going to happen around here in February. 
 This is a great option to keep in mind.
Mass Housing also offers no cost mortgage payment protection insurance included with MI Plus. 
If you have any questions regarding Mass Housing, please call me and we can discuss.
 
 
Wendy Burdett
Prospect Mortgage
1393 Grafton St
Worcester, MA 01604
(508) 380-7697
 

Comments(4)

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Michele Miller ~ REALTOR®, LMC, HSE, CHS, SRES, CMRS
ERA Key Realty~Worcester County Realty Group - Worcester, MA
'Helping You Make the Best Move"

I had one client who went through Mass Housing. It makes sense to me.

Thank you for the info Wendy!

Have a great day!

Feb 21, 2011 11:09 PM
Wendy Burdett
Prospect Mortgage - Worcester, MA
Mortgage Professional

Conrad,

I was up early and yes still made the gym, thanks.

The debt to income ratio is 41% for 3% down  720 min fico

                                      45% for 5% down   680 min fico

                                      50% for more than 5% down   620 min fico

Feb 22, 2011 01:53 AM
Kathleen Cooper
Kathleen Cooper, Sposato Realty Group - Worcester, MA
Sposato Realty Group - Broker Owner

Will have to keep this in mind for future prospects.  Hard to keep up with all of the loan programs available to our clients these days.  Good thing we have you to keep us informed!  :)

Sincerely,

Kathleen 

Feb 24, 2011 08:04 AM
Wendy Burdett
Prospect Mortgage - Worcester, MA
Mortgage Professional

Kathleen,

We will always keep you informed, but please you don't have to know all the details. That's why you have us :) 

Wendy

Feb 24, 2011 10:39 AM