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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, Mortgage Broker Points, Application fees, Document Preparation fees or Credit Report fees. Mortgage rates are delivered daily to market in Wholesale and Retail pricing. We set our rates below local Retail rates to be more competitive and that results in rates that 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 are compensated!
We want your business and disclose our lender paid compensation!
Give us a call and make it happen!
Update on new Conforming Jumbo Mortgage Loan Limits signed into law with the Economic Stimulus Act of 2008 effective from March 1, 2008 up to and including December 31, 2008 for owner occupied properties only;
| Programs |
- 15 through 40-year fixed-rate, fully amortizing mortgages (no balloons)
- 30-year fixed-rate mortgages with 10-year interest-only periods
- Fully amortizing 5/1 adjustable-rate mortgages (ARMs)
- 5/1 ARMs with 10-year interest-only periods
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| Purpose |
- Purchase- Cash-out refinance to 90% LTV.
- Limited cash out allows for closing costs, prepaid taxes, interest, insurance and maximum cash back of $2000.00 dollars.
- Full document only.
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| Occupancy |
- 1-unit primary residences, including condos and PUDs.
- 1-unit second homes.
- 1-unit investment properties.
Increases for the following counties are;
Barnstable> $462,500. Dukes> $729,750. Bristol> $475,000. Essex> $523,750.
Nantucket>$729,750. Middlesex> $523,750. Norfolk> $523,750.
Suffolk> $523,750. Plymouth> $523,750.
* Maximum LTV and DTI restrictions apply. Call or email for more details.
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First-time homebuyers should begin planning now to take advantage of a new tax credit included in the recently enacted Housing and Economic Recovery Act of 2008.
Available for a limited time only, the credit:
Applies to home purchases after April 8, 2008, and before July 1, 2009.
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 # 4972.
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 program is 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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Free housewarming gift basket for new purchases at closing.
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All e-mail and phone calls returned quickly.
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Personal service at home or work.
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Repeat customer discounts.
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Corporate discounts.
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Review of the HUD-1 closing statement.
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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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