Buy Your Massachusetts Home With Confidence
Secure your pre-approval and find out your real buying power before you start looking. We shop multiple wholesale lenders to find the loan that fits you best, and getting started needs no hard credit pull.
Choose your buying path
- Multiple lenders compared
- Takes about 2 minutes
Alexandra Miller
Very professional and informative. Goes the extra mile to help unlike a lot of brokers who just want the sale. I am excited to work with Phil!
Amanda Peters
Ryan and Phil made my mortgage process simple. They walked me through each step, and had great communication throughout. I would absolutely recommend them!
Seth Jacobs
Phil made a deal happen that nobody else could do, because of my self-employment. He was always available for a phone call or text. He is the hardest working guy in the mortgage industry. HIGHLY RECOMMEND!
Joseph
Ryan was unbelievable from start to finish, answering any questions or emails along the way at all hours of the day or night. I would highly recommend him to anyone looking for a mortgage.
Annie Cardley
We had a great experience working with Phil. He was very helpful, always responsive and available, and got us a great rate! He was so quick ensuring a fast and smooth closing.
Shelby Kaubris
Ryan was always available to answer questions we had, was knowledgeable and attentive to details, and made the process from pre-approval to closing very smooth!
Michael Rojewski
Phil is the best mortgage guy you could ever work with. He has a wealth of knowledge and is always 3 steps ahead! He truly loves what he does and it shows.
Chris Schmitt
Ryan was nothing short of perfect for us through the entire process. He's extremely personable and knowledgeable. He's our go-to guy from here on out.
Anthony Abbruscato
Phil and his team are an absolute pleasure to work with. We were first-time home buyers, and it was so helpful to work with a team so knowledgeable. The process was seamless and stress free!
Hannah
Ryan was very helpful and made the process of finding the right mortgage easy! Highly recommend working with him!
Felicity Young
Phil and his team were incredibly helpful from start to finish. Phil is always available to answer questions and works efficiently. He has helped us with two mortgages — I recommend him to everyone!
Jordan Yorks
Ryan went above and beyond helping us not only get the mortgage we needed but assisting with the entire process of buying our first home. Made an otherwise stressful process seamless!
Nick Dassatti
We couldn't have been happier working with Phil. He stayed on top of mortgage rates and made sure we got the best rate possible. Much less stressful than we anticipated!
Devlin Passway
Working with Phil was fantastic. He is very detailed and knowledgeable, always willing to answer any questions no matter the time or day.
Alexandra Miller
Very professional and informative. Goes the extra mile to help unlike a lot of brokers who just want the sale. I am excited to work with Phil!
Amanda Peters
Ryan and Phil made my mortgage process simple. They walked me through each step, and had great communication throughout. I would absolutely recommend them!
Seth Jacobs
Phil made a deal happen that nobody else could do, because of my self-employment. He was always available for a phone call or text. He is the hardest working guy in the mortgage industry. HIGHLY RECOMMEND!
Joseph
Ryan was unbelievable from start to finish, answering any questions or emails along the way at all hours of the day or night. I would highly recommend him to anyone looking for a mortgage.
Annie Cardley
We had a great experience working with Phil. He was very helpful, always responsive and available, and got us a great rate! He was so quick ensuring a fast and smooth closing.
Shelby Kaubris
Ryan was always available to answer questions we had, was knowledgeable and attentive to details, and made the process from pre-approval to closing very smooth!
Michael Rojewski
Phil is the best mortgage guy you could ever work with. He has a wealth of knowledge and is always 3 steps ahead! He truly loves what he does and it shows.
Chris Schmitt
Ryan was nothing short of perfect for us through the entire process. He's extremely personable and knowledgeable. He's our go-to guy from here on out.
Anthony Abbruscato
Phil and his team are an absolute pleasure to work with. We were first-time home buyers, and it was so helpful to work with a team so knowledgeable. The process was seamless and stress free!
Hannah
Ryan was very helpful and made the process of finding the right mortgage easy! Highly recommend working with him!
Felicity Young
Phil and his team were incredibly helpful from start to finish. Phil is always available to answer questions and works efficiently. He has helped us with two mortgages — I recommend him to everyone!
Jordan Yorks
Ryan went above and beyond helping us not only get the mortgage we needed but assisting with the entire process of buying our first home. Made an otherwise stressful process seamless!
Nick Dassatti
We couldn't have been happier working with Phil. He stayed on top of mortgage rates and made sure we got the best rate possible. Much less stressful than we anticipated!
Devlin Passway
Working with Phil was fantastic. He is very detailed and knowledgeable, always willing to answer any questions no matter the time or day.
Interactive Tool
79 Current Programs. 351 Towns.
One Map.
In Massachusetts, down payment assistance depends on the exact town where you buy or currently live, not the county. Click any town on the map to see its local and regional options alongside the 14 statewide programs open in every community.
Local programs per city, on top of 14 statewide. Explore all 351 on the map.
Massachusetts Loan Options
Home Loans Built for Every Massachusetts Buyer
From first-time condo buyers to multifamily investors, we match your purchase with the right wholesale lender.
3% Down AvailableConventional & Jumbo Loans
Finance a single-family home, condo, or 2–4 unit property with as little as 3% down and a 620+ credit score.
Learn More
Flexible CreditFHA Home Loans
Buy a home or an owner-occupied 2–4 unit property with 3.5% down and a 580+ credit score.
Learn More
0% Down PaymentVA Home Loans
Eligible veterans and service members can buy a Massachusetts home with 0% down and no monthly mortgage insurance.
Learn More
Alternative IncomeDSCR & Self-Employed
Qualify with 12–24 months of bank statements, or buy a rental on its income with a DSCR loan.
Learn MoreSee Which Massachusetts Loan Fits You
Check for free in less than 2 minutes with zero obligation or credit pull
Why Massachusetts Buyers Work With Us
A clear pre-approval and loan options from multiple lenders help you make a strong offer.
President, Next Wave Mortgage
We Shop Multiple Lenders
Because we work as a mortgage broker, Next Wave shops multiple wholesale lenders on your behalf, saving you the trouble of applying at several banks to secure strong terms.
Loans for Every Buyer
We finance single-family homes, condos, and 2–4 unit multifamily homes, with conventional, FHA, VA, jumbo, bank statement, and DSCR options.
Strong, Fast Pre-Approvals
In a fast Massachusetts market, sellers look for certainty. Pre-approvals typically take 1–3 business days once documents are in, backed by a 4.9 Google rating from past borrowers.
Talk With a Massachusetts Mortgage Expert
Complimentary 15-minute phone chat — zero commitment or credit check
Massachusetts Homebuying Guides
Straightforward answers on loan rules, closing costs, and what to expect when buying in the Commonwealth.
0193 Massachusetts First-Time Home Buyer Grants & Programs (2026)
Compare every verified statewide and local first-time buyer program in Massachusetts, with amounts, income limits, and which are open in 2026.
Read Guide
Massachusetts FHA Loan Requirements (2026): Rules & Limits
How FHA loans work for single-family homes and owner-occupied 2–4 unit properties, including credit score and down payment rules.
Read Guide
Self-Employed & 1099 Mortgage Guide in Massachusetts (2026)
How business owners, freelancers, and investors qualify using 12–24 months of bank statements or a DSCR rental income loan.
Read Guide
Massachusetts Closing Costs for Buyers (2026)
What to budget for lender fees, taxes, insurance, and the closing attorney during a typical 30–45 day purchase closing.
Read GuideGet Massachusetts Mortgage Rate & Market Updates
See Latest UpdatesHow Make Massachusetts Your Home Works for You
Clear numbers, honest loan comparisons, and a loan officer with you from pre-approval to the closing table.
Make Massachusetts Your Home gives you a clear, practical guide to purchasing a home in Massachusetts.
We don't sell houses. We help you compare loans across multiple wholesale lenders, from FHA, VA, and conventional to jumbo and DSCR, and work with one loan officer from pre-approval to closing day with your attorney.
We focus on what matters: straightforward figures, zero surprises, and a smooth path to owning your Massachusetts home.
See What You Qualify ForFirst-Time Buyers
Compare 93 statewide and local first-time buyer programs.
Learn MoreVA Home Loans
Mortgages with 0% down for qualified service members and veterans.
Learn MoreCondos & Townhomes
Loan options for condos and townhomes.
Learn More2–4 Unit Multifamily
Buy a triple-decker or duplex to live in or rent out
Learn MoreAffordability Calculator
See your estimated monthly payment and purchasing power in a few minutes
Learn MoreDSCR Investor Loans
Financing for investment properties based on rental cash flow rather than personal income.
Learn MoreFree 15-Minute Call
Talk with a loan officer, with no pressure or obligation
Learn MoreTown Program Map
Find down payment help in your Massachusetts city or town
Learn MoreBank Statement Loans
Use 12 to 24 months of bank statements to qualify, with no tax returns required.
Learn MoreFrequently Asked Questions
Clear responses to the common questions we hear from Massachusetts homebuyers. Still wondering where you stand?
Talk to an ExpertMinimum credit scores depend on the loan program you choose. Conventional loans generally require a 620+ credit score, while FHA loans allow a 580+ credit score with 3.5% down. Because we compare multiple wholesale lenders, a loan officer can show you which programs fit your current credit profile.
Eligible borrowers may need as little as 3% down for a conventional mortgage or 3.5% down for an FHA loan. Eligible veterans and service members can use a VA loan with 0% down. FHA and conventional loans also finance owner-occupied 2–4 unit homes, a practical way to buy a Massachusetts triple-decker or duplex.
Pre-approval typically takes 1–3 business days after your documents are in, and starting takes no hard credit pull. Once you have an accepted offer, purchase closings typically take 30–45 days. In Massachusetts, purchases close with a closing attorney who handles the title work and the final signing.
Yes, we offer non-QM options designed for business owners and investors. Self-employed borrowers can use 12–24 months of bank statements instead of tax returns to verify income. Real estate investors can use DSCR loans, which qualify on the property's rental income rather than personal income.
Retail banks are limited to their own internal mortgage programs and rates. As a mortgage broker, Next Wave Mortgage compares loans across multiple wholesale lenders to match your credit, income, and property type. You get wider program choices, from conventional and VA to bank statement and DSCR, with one loan officer guiding you.
Ready to Buy Your Massachusetts Home?
Start your pre-approval online or schedule a free 15-minute call with a loan officer.
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