About Next Wave Mortgage

Clear mortgage guidance for every Massachusetts homebuyer and homeowner.

More than a broker — your Massachusetts mortgage advisor

Make Massachusetts Your Home is the local homebuying brand of Next Wave Mortgage, LLC (NMLS #2536820). As a mortgage broker, we compare loans across multiple wholesale lenders rather than offering a single bank menu. We focus on clear numbers, fast turn times, and organized closings with your Massachusetts closing attorney.

59K+

Contacts Helped

26+ Years

Phil's Mortgage Experience

4.9

Google Client Rating

What sets us apart

Transparent Numbers

You see side-by-side rate, payment, and closing cost comparisons up front. Starting a pre-approval requires no hard credit pull, and we explain every fee in plain English.

Wholesale Loan Choice

We shop multiple wholesale lenders for conventional, FHA, VA, condo, multifamily, jumbo, self-employed, DSCR investor, reverse mortgage, and HELOC options to fit your exact property and budget.

Direct Senior Guidance

Work directly with experienced mortgage leaders Phil Ganz and Ryan Skerritt. We respond within one business day and deliver pre-approvals in one to three business days after receiving documents.

Massachusetts assistance programs

Many buyers ask about state and local assistance, including MassHousing loans and down payment help, ONE Mortgage, and city programs in Boston, Worcester, Springfield, and Cambridge. Buyers apply for these programs directly through participating lenders. Our team helps you review eligibility rules, compare those programs against our wholesale conventional, FHA, and VA loan options, and get pre-approved for the financing structure that best fits your timeline and cash-to-close goals. Explore Massachusetts grants and programs.

Check Your Eligibility

Have Questions?

Schedule a free 15-minute consult with our team to compare loan options and review your Massachusetts homebuying budget.

Schedule Now