This decides which Massachusetts programs we check you against.
What's your timeline?
Some Massachusetts programs require a homebuyer class that takes a few weeks to finish.
Your answers decide which programs we can find for you. The more accurate you are, the better the match. This is not a credit check.
Have you owned a home in the last 3 years?
Massachusetts counts you as a first-time buyer if the answer is no — even if you owned a home before that. First-time buyers reach grants that repeat buyers can't get.
How much do you have saved for a down payment and closing costs?
$0 down programs exist. Your answer helps us find them.
An estimate is fine.
What's your approximate household income?
Include everyone who would be on the loan. Several Massachusetts programs cap income, so this decides what you can be matched to.
An estimate is fine.
Used only to match you to assistance programs. Never sold or shared without your explicit consent.
What's your estimated credit score?
No credit pull. This only matches you to the right programs.
An estimate is fine.
Credit matters. But 4 in 10 people get denied for debt, not credit.
620+ opens most Massachusetts programs. No credit check here.
Below 620 is not a no. It's a rung.
Your score isn't where most lenders want it yet. Here's exactly what changes as it climbs.
580
620
640
680+
Have you or your spouse served in the military?
Veterans and active service members unlock VA loans — $0 down, no PMI, flexible credit.
What's your current employment?
This decides how a lender documents your income — not whether you qualify.
What are you hoping to do?
This decides which kind of refinance we look at.
What's your current mortgage rate?
This is the single biggest factor in whether a refinance makes sense.
An estimate is fine.
How do you use this property?
Rates and requirements change by how the home is occupied.
Roughly how much is left on your mortgage?
An estimate is fine.
What's the home worth now?
Your balance against this number decides how much equity you can use.
An estimate is fine.
What's your estimated credit score?
No credit pull. This only matches you to the right programs.
An estimate is fine.
Credit matters. But 4 in 10 people get denied for debt, not credit.
620+ opens most Massachusetts programs. No credit check here.
What's your current employment?
This decides how a lender documents your income — not whether you qualify.
0programs matched
Based on your answers, worth looking at in Massachusetts.
Get your actual payment.
A licensed Massachusetts loan officer calculates your actual payment on these programs — and tells you how soon you could be buying.
No credit pull. No application. One short call.
Please enter your name.
Please enter a complete 10-digit phone number.
Please enter a valid email address.
El texto de consentimiento y los términos legales aparecen únicamente en inglés. Si necesita ayuda para entenderlos, llámenos y se los explicamos en español antes de que usted acepte.
Please check the box above to continue.
One lender. Never resold. No credit pull. No application.
Your answers
What each one means
Matching is based on the answers you gave, not a credit file. A licensed Massachusetts lender confirms eligibility and sets all terms. Qualified.Loans is not a lender.
You're in,
Your matches are saved. We call you first — a short check on the things that get people declined. Then a licensed Massachusetts lender gives you real numbers.
Expect our call.
It may come from a number you don't recognize, so pick up. If you miss it, you'll get a text you can reply to. Nothing is submitted, applied for, or pulled without you saying so.
What decides which one you get
01
The town, not just the state. Income limits and program eligibility change by city and town in Massachusetts. Springfield and Newton are different answers.
02
Your monthly debts, not your credit score. Car payments, student loans, credit card minimums. This is the number that decides most files — and it's the one people forget to add up.
03
How your income is documented. W-2, 1099, retirement, or a mix. Same income, different paperwork, different programs.
One thing worth knowing before you shop
When a lender checks your credit it's a hard inquiry — but multiple mortgage checks get counted as one if they land close together. The window runs 14 to 45 days depending on the scoring model, so keep every check inside two weeks and you're covered either way. Source: myFICO, TransUnion.
Worth reading while you wait
Keep an eye on your phone
You’ll hear from a licensed Massachusetts loan officer about the programs above. If a call doesn’t reach you, expect a text you can reply to.
