Qualified.Loans
Family in the backyard of their home at sunset
Renting?

YOU’RE already paying a mortgage.Make the payment YOURS.

MassHousing puts up to $30,000 toward your down payment.
Every city and town in Massachusetts
Secure & confidential
8 questions, about 2 minutes, to see if MassHousing fits you.
No credit check — nothing touches your score
Free — you never pay us, ever
1 licensed MA lender calls you today — never resold
Matched by program and location

First time home buyer programs in Massachusetts. 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
1 licensed MA lender calls you today with real numbers and real solutions.

Massachusetts down payment assistance: you do not need 20% down.

$30,000
in down payment assistance, available in every city and town in Massachusetts
6,300
Massachusetts first time home buyers used MassHousing down payment assistance in 5 years
6
months of mortgage payments MassHousing covers if you lose your job, on the loans it insures
MassHousing, June 2025. The 6,300 figure covers the prior 5 years. Job-loss coverage requires MassHousing-insured loans and MA unemployment benefits. Look them up yourself.

What a MassHousing mortgage actually is.

MassHousing does conventional and FHA both
A state agency, not a lender. It funds both loan types through 80 approved lenders and attaches down payment assistance. ONE Mortgage is a separate program run by the Massachusetts Housing Partnership with no PMI at all. The quiz checks both.
MassHousing requirements: as little as 3% down, first time buyer, you live in the home
The 3% can be a gift from family. Income limits apply and they vary by county and household size. The home has to be your primary residence, and down payment assistance pairs with a MassHousing mortgage.
Is there a first time home buyer grant in Massachusetts?
Not a grant — assistance. Up to $30,000 as a second mortgage. The deferred option isn’t repaid until you sell, refinance, or pay off the first loan. Your lender sets which option you get.
A 2, 3, or 4 family counts
Single family, condominium, or a 2 to 4 family where you live in 1 unit and rent the others. The rent from those units helps pay the mortgage.
See if you fit before you apply
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.