Stop renting.
Start owning.
You can buy your first home in Massachusetts with little to no money down. Let us show you exactly how — and what it would look like for you.
You're already paying a mortgage. It's just not yours.
Every rent check builds wealth — for your landlord. Move the slider to see what your rent really costs you.
Average 2-bed rent on the South Shore / Metro Boston is about $2,800 a month.
You do not need 20% down to buy a home.
"I need 20% down to buy a house."
On a $450,000 home, that's…
Most renters will never save that much — so they keep renting and keep waiting.
You can buy with as little as $0 down.
Most buyers put down just 3% to 3.5%. On a $450,000 home, that's…
Through down payment assistance, grants, gifts, and seller credits. Here's how it works.
Real low- and no-money-down paths for qualified buyers
These are the programs we use every day to get renters into their first home. Which one fits you depends on your credit, income, and the town you're buying in.
MassHousing Mortgage
Workforce Advantage 4.0 offers a 0% deferred second mortgage for qualified buyers — money you don't pay back until you sell or refinance.
AccessZero (FHA)
An FHA-insured first mortgage paired with a 10-year repayable second. Often works with a 600–620 minimum credit score, depending on your debt-to-income.
City & Town Grants
Many cities and towns offer their own first-time buyer grants and stackable assistance. We'll check what's available where you want to live.
FHA 3.5% Down
Accepts gift funds and seller credits up to 6%, and works on 1–4 unit properties — which opens the door to the house-hacking strategy below.
Eligibility, rates, and program terms vary and can change. Your exact path is mapped out in your free consultation.
A real example: $425,000 home in Massachusetts
Single-family home using MassHousing + Workforce Advantage 4.0. Here's the difference assistance makes to the cash you need at the closing table.
Illustrative only. Actual numbers depend on lender, program, credit, property, and market conditions. We'll run your exact scenario in your free consultation.
Wherever your credit stands, there's a path
You don't need perfect credit to buy. You just need to know which program fits your score today.
Best rates, strongest offers, and the lowest mortgage insurance.
Strong positioning for conventional loans.
Qualifies for FHA and most down payment assistance programs.
FHA eligible — a solid starting point to build from.
Not sure where your credit stands? In your free session, our lending partner runs a soft credit check — no impact to your score — and shows you exactly how to qualify for the best program.
6 steps from renter to homeowner
A clear, proven order of operations. No guesswork — you'll always know what comes next.
Pre-approval
We run your numbers, pull credit, and issue a strong, commitment-level letter.
Buyer rep agreement
You sign a written agreement that locks in our loyalty and duties to you — required nationwide since August 2024.
Home search
A custom MLS portal, showings, and guidance until we narrow it to your top choice.
Offer & acceptance
We write the winning offer. The seller signs. Your deposit goes down.
Inspection & P&S
Inspection within 7–10 days, the purchase agreement is signed, and final loan steps begin.
Closing day
Sign the papers, get the keys, and start building equity that's yours.
Typical timeline from pre-approval to closing: 45–60 days.
Two new protections every buyer should know
Most buyers have no idea these exist. They matter a lot — and we make sure you use them.
Buyer Representation Agreement
Every buyer now signs a written agreement with their agent before touring homes. This protects you — it puts your agent's loyalty, duties, and pay in writing before you invest a single hour looking.
Home Inspection Protection
Sellers can no longer accept offers that require you to give up your inspection rights. You can't be pressured into skipping an inspection to "win" a bidding war. The power — and your safety — stays in your hands.
The "house hack" that can pay your mortgage
Buy a 2–4 unit home, live in one unit, and rent the others. It's how a lot of first-time buyers turn a mortgage into an income stream.
- Rent from the other units offsets — or even erases — your monthly payment.
- 75% of the market rent counts toward your loan, giving you more buying power.
- The same FHA 3.5%, MassHousing, and AccessZero programs still apply.
- Tax benefits: depreciation, mortgage interest, and repairs may be deductible.
- You build a landlord track record — making your next property easier to buy.
vs. about $2,800/mo to rent a 1-bed. Illustrative example; 3–4 family homes must pass FHA's self-sufficiency test.
30 minutes. On Zoom. No obligation. Just clarity.
- ✓A clear picture of your real buying power — agent and lender, together.
- ✓A soft credit check with no impact to your score.
- ✓Your specific assistance eligibility: MassHousing, AccessZero, FHA.
- ✓Estimated cash-to-close for 2–3 real scenarios in your target area.
- ✓A custom 60-day game plan to get into your first home.
- ✓Every question answered — honestly, with no pressure.
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