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Renting?
YOU’RE already paying a mortgage.Make the payment YOURS.
96% of Massachusetts FHA buyers didn’t put 20% down.
2025 federal mortgage records · CFPB
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8 questions, about 2 minutes, to see which Massachusetts FHA programs fit you.
No credit check — nothing touches your score
Free — you never pay us, ever
One licensed MA lender calls you today — never resold
Matched by program and location
8 questions. No credit pull.
1
The more accurate you are, the better the match. Your best guess works.
2
We check against 17 loan options and show you the ones that fit.
3
One licensed MA lender calls you today with real numbers and real solutions.
You do not need 20% down.
5,543
Massachusetts families bought with an FHA loan last year
$10,000
was the median down payment on an FHA home in this state
$30,000
is what MassHousing lists in down payment assistance Massachusetts buyers can use
Loan count and down payment figures: 2025 federal mortgage records (HMDA), filed by lenders and published by the CFPB. Assistance figure: MassHousing. Look them up yourself.
What an FHA loan actually is.
FHA = Federal Housing Administration
FHA loans Massachusetts buyers use come from regular banks and mortgage companies — the federal government only insures them. Established in 1934. 8 out of 10 go to first time home buyers, and first time home buyer Massachusetts programs stack on top. Median down payment in MA: about $10K.
FHA loan requirements in MA: 3.5% down, 580 credit, 2 years work
You must personally live in the home — it can be a 2, 3, or 4 family where you rent out the other units. All of your down payment can be a gift from family.
The catch: monthly insurance
FHA adds an insurance fee to your monthly payment. It is the trade for putting less down. Put 10% or more down and it drops off on its own. Put less down and most people switch to a different loan later to get rid of it.
1 in 4 MA FHA buyers bought a 2 to 4 family
The rent from the other units helps them qualify — and helps pay the mortgage.
See your match in 2 minutes
8 questions and you’ll have your answer.
Turned down before? It probably wasn’t your credit.
4 in 10 applicant denials came down to monthly debt, not credit score. Credit history accounts for 1 in 10. Most people who get declined are never told which one it was.
A different loan type and a different lender can change the answer. The same person turned down for one loan often qualifies for another — different down payment, different debt limits, different rules. That is what the quiz checks.
Start here. Question 1 of 8.
What are you looking to do?
Buy a home
First purchase or new property
Refinance
Lower my rate or take cash out
Not sure yet
Just exploring my options
A licensed Massachusetts lender calculates your actual payment after completion.
No credit check
Free, always
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8 questions
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© 2026 AccuraLead LLC d/b/a Qualified.Loans. Qualified.Loans is a lead generation service and does not originate loans, provide credit, or act as a broker or lender. Not affiliated with or endorsed by MassHousing, the Massachusetts Housing Partnership, HUD, the Federal Housing Administration, the U.S. Department of Veterans Affairs, or the Commonwealth of Massachusetts. This is not a commitment to lend. Program eligibility is subject to lender review. Not all applicants will qualify. Equal Housing Opportunity.
© 2026 AccuraLead LLC d/b/a Qualified.Loans. Qualified.Loans is a lead generation service and does not originate loans, provide credit, or act as a broker or lender. Not affiliated with or endorsed by MassHousing, the Massachusetts Housing Partnership, HUD, the Federal Housing Administration, the U.S. Department of Veterans Affairs, or the Commonwealth of Massachusetts. This is not a commitment to lend. Program eligibility is subject to lender review. Not all applicants will qualify. Equal Housing Opportunity.