Make Massachusetts Your Home — Next Wave Mortgage
  • Loan Options

    Buy a home

    FHA Loan3.5% down, 580+ credit — the first-time buyer favoriteConventional LoanAs little as 3% down with removable mortgage insuranceVA Loan$0 down and no mortgage insurance for veteransUSDA Loan0% down in eligible rural and suburban areasCondo LoanFinancing for condos and townhomes

    Invest in Massachusetts

    DSCR LoanTriple-deckers and rentals qualified on rental incomeForeign National LoanBuy in Massachusetts without U.S. credit or residency

    Use your equity

    HELOCTap your home equity without refinancing
    View all loan options →Not sure which loan fits? Check your eligibility →
  • Calculators
    Home Affordability CalculatorSee what price fits your income and monthly budgetDSCR Loan CalculatorCheck if a Massachusetts rental qualifies on its own incomeVA Disability Tax SavingsEstimate your Massachusetts veteran property tax exemptionDown Payment Assistance CalculatorMatch statewide and local Massachusetts programs to your purchaseMassachusetts DPA Town MapSee the assistance programs in all 351 cities and towns
    View all calculators →Ready for real numbers? Check your eligibility →
  • First-Time Buyers
  • MassHousing
  • Rates
Get Pre-Approved
    • Buy a home

      • FHA Loan3.5% down, 580+ credit — the first-time buyer favorite
      • Conventional LoanAs little as 3% down with removable mortgage insurance
      • VA Loan$0 down and no mortgage insurance for veterans
      • USDA Loan0% down in eligible rural and suburban areas
      • Condo LoanFinancing for condos and townhomes
    • Invest in Massachusetts

      • DSCR LoanTriple-deckers and rentals qualified on rental income
      • Foreign National LoanBuy in Massachusetts without U.S. credit or residency
    • Use your equity

      • HELOCTap your home equity without refinancing
    • Not sure which loan fits? Check your eligibility →
    • View all loan options →
      • Home Affordability CalculatorSee what price fits your income and monthly budget
      • DSCR Loan CalculatorCheck if a Massachusetts rental qualifies on its own income
      • VA Disability Tax SavingsEstimate your Massachusetts veteran property tax exemption
      • Down Payment Assistance CalculatorMatch statewide and local Massachusetts programs to your purchase
      • Massachusetts DPA Town MapSee the assistance programs in all 351 cities and towns
    • Ready for real numbers? Check your eligibility →
    • View all calculators →
  • First-Time Buyers
  • MassHousing
  • Rates
Get Pre-Approved

Massachusetts mortgage tools

Massachusetts Mortgage Calculators

Estimate home affordability, analyze rental cash flow, compare today's rates, and build a clear Massachusetts homebuying plan.

Popular

Massachusetts Home Affordability Calculator

Estimate your maximum home price and monthly payment, including Massachusetts property taxes, homeowners insurance, and condo fees.

Open calculator
First-time buyers

Massachusetts Down Payment Assistance Calculator

Pick your city or town and see which statewide, regional and local down payment programs may fit your purchase, with current status for each.

Open calculator
Investors

Massachusetts DSCR Loan Calculator

See whether a Massachusetts rental, from a condo to a triple-decker, qualifies on its cash flow using county tax and insurance estimates.

Open calculator
Veterans

Massachusetts Veteran Property Tax Savings Calculator

Estimate what Massachusetts disabled veteran property tax exemptions are worth on a home, by Clause 22 category and town tax rate.

Open calculator
Rates

Massachusetts Mortgage Rates Today

Check current mortgage rate benchmarks and see how different loan programs affect your estimated monthly payment.

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Make Massachusetts Your Home — Next Wave Mortgage

Massachusetts home loans for every kind of buyer.

617-529-9317hello@nextwavemortgage.com

2430 E Commercial Blvd #3, Fort Lauderdale, FL 33308

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Next Wave Mortgage, LLC
NMLS ID 2536820

Buy a Home

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  • MassHousing Loans
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Resources

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  • All Calculators
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Next Wave Mortgage, LLC is not affiliated with any government agencies. These materials are not from VA, HUD or FHA, and were not approved by VA, HUD or FHA, or any other government agency.

Reverse mortgage borrowers are required to obtain an eligibility certificate by receiving counseling sessions with a HUD-approved agency. The youngest borrower must be at least 62 years old. Monthly reverse mortgage advances may affect eligibility for some other programs.

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.

Complaints may be directed to: hello@nextwavemortgage.com. For licensing information, please visit nmlsconsumeraccess.org

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