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Your Town Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.
We don't charge Origination fees, Application fees, Document Preparation fees or Credit Report fees. Mortgage rates are delivered daily to the market in Wholesale and Retail pricing. We set our rates below local retail rates to be more competitive. As a result, our rates are .125%-.375% lower on average every day.
Call or email us today for more details about why the mortgage rate your quoted may not be the lowest! Visit our FAQs page for more details about how lenders and mortgage brokers are compensated!
We want your business and disclose our lender paid compensation!
Check the local competition at the bottom of our products page!
Give us a call and make it happen!
Announcing Phase 1 of the Conforming Jumbo Mortgage Loan Limits signed into law with the Economic Stimulus Act of 2008! Effective from January through December 31st, 2009.
| Programs |
- 30 and 15 year fixed rate mortgage.
- Fully amortizing 5/1 Libor ARM.
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| Purpose |
- Purchase to 90% LTV with 720 score
- Cash-out refinance to 75% LTV with 720 score.
- Limited cash out allows for closing costs, taxes, interest, insurance and $2000.00 dollars cash back.
- Full document only no second liens over 80% LTV.
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Occupancy |
- 1-4 unit primary residences, condos and PUD's.
- 1-unit second homes to 60% LTV with 660 score.
- 1-unit non-owner properties to 60% LTV with 660 score.
- Maximum debt to income ratio of 41% over 80% LTV.
Single family increases for the following counties are;
Barnstable> $462,500. Dukes> $729,750. Bristol> $426,650.
Nantucket> $729,750. Providence- New Bedford- Fall River> $426,650
Middlesex, Norfolk, Suffolk, Plymouth, Essex> $465,750.
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First-time home buyers should begin planning now to take advantage of a new tax credit included in the recently enacted Housing and Economic Recovery Act of 2009.
Available for a limited time only!
Under the new law, qualifying taxpayers who buy a home before December 1, 2009 can claim as much as $8,000.00 dollars on their 2008 or 2009 tax returns!
Reduces a taxpayer’s tax bill or increases his or her refund, dollar for dollar!
Is fully refundable, meaning that the credit will be paid out to eligible taxpayers, even if they owe no tax or the credit is more than the tax that they owe!
| Learn More |
Serving Massachusetts Homeowners under;
Mortgage Broker License # MB 4972 and Mortgage Originator License # 10032
What we can assist you with.
Main Services.
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Purchase or Refinance Residential and Commercial Real Estate.
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Find the right mortgage program.
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Deliver the lowest interest rates.
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Answer all your questions.
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Return your phone calls.
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Pre-Qualify you.
What can you expect from us?
Additional Services.
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Secure Document Transfer.
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Pre-Qualified Certificate.
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Explanations of Mortgage Programs and Guidelines.
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Advice on which programs are right for you.
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Advice on managing your credit profile.
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Advice on closing costs, points and inspections.
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Free review of your Purchase and Sale Agreement.
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All e-mail and phone calls returned quickly.
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Personal service at home or work by appointment.
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Review of your HUD-1 closing statement prior to closing.
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Attend your closing with you.*
Contact Your Town Mortgage to find out more about the products and services we can provide. We arrange but do not make loans. Licensed Mortgage Professionals wanted.
*Maximum radius is 50 miles |
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