Qualified borrowers can enjoy a range of options and outstanding benefits with conventional loans. Unlike FHA and other government loans, which may impose property limitations, conventional loans offer the flexibility to be utilized on almost any property type.

Whether you’re a first-time homebuilder or an experienced contractor, our new construction loan process is designed to meet your unique needs. With The Massa Team by your side, you can trust that your financing will be in capable hands, providing you with peace of mind and allowing you to fully enjoy the journey of bringing your vision to life.

If you’d like to purchase a home but face challenges such as limited credit, insufficient down payment, or inability to cover closing costs, an FHA loan could be the answer. The purpose of FHA financing is to offer homebuyers an alternative to conventional loans, providing attractive and flexible guidelines to facilitate the homebuying process.

A VA loan is a mortgage loan guaranteed by the U.S. Department of Veterans Affairs (VA) that is available to most U.S. service members. VA loans offer a loan guaranty benefit to help eligible veteran borrowers refinance or buy a home.  VA loans do not require any monthly mortgage insurance included in the loan amount, and a veteran borrower could purchase a home without a down payment.

Discover the Single-Family Housing Guaranteed Loan Program, provided by the United States Department of Agriculture (USDA). This program enables qualified borrowers to acquire homes in eligible rural areas, as determined by the rural housing program’s criteria. To participate, borrowers should be aware that an upfront guarantee fee and an annual fee are imposed. If you want to apply for this program, we encourage you to contact one of our licensed loan officers immediately. They will be more than happy to assist you throughout the application process.

Our Down Payment Assistance Program helps make homeownership more accessible by providing financial support for your down payment and closing costs. Whether you're a first-time homebuyer or looking to move into a new home, this program can help you overcome the financial barrier of a large upfront cost. With flexible eligibility requirements, you can get the help you need to secure your dream home faster and with less stress. Take advantage of this opportunity to get into your new home sooner with lower upfront costs and more manageable monthly payments. Let us guide you every step of the way!

Our Non-QM (Non-Qualified Mortgage) loan products offer flexible financing options for borrowers who don’t meet traditional lending requirements. These loans are ideal for self-employed individuals, those with unique income sources, or buyers with less-than-perfect credit. Non-QM products provide opportunities for homeownership when conventional loans may not be an option. With various loan structures, we can tailor solutions to your specific financial situation, helping you secure the home of your dreams. Let us help you navigate the process and find the right fit with a loan that meets your needs, even when traditional options fall short.

The Freddie Mac Home Possible program is designed to make homeownership more affordable for low-to-moderate income borrowers. With lower down payment options as low as 3%, this program is perfect for first-time homebuyers or those looking to buy again with reduced financial barriers. Home Possible offers competitive rates, flexible credit requirements, and can be used for both single-family homes and condos. If you're looking for a way to make homeownership more achievable, this program provides a great opportunity to get into a home with lower upfront costs and more manageable monthly payments. Let us guide you through the process!

The Fannie Mae HomeReady program is designed to help low-to-moderate income borrowers achieve homeownership with a down payment as low as 3%. This program offers flexible credit score and income requirements, making it an excellent option for first-time homebuyers or those who have not owned a home in the past three years. With competitive rates and the ability to use non-traditional income sources (such as rental income or boarder income), HomeReady makes it easier to qualify for a mortgage. Let us help you take advantage of this affordable path to homeownership with low down payment options and flexible terms.

Jumbo mortgages are designed for borrowers who need to finance a home that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. These loans allow you to purchase high-value properties with competitive interest rates and flexible terms. While they require a higher credit score and a larger down payment compared to conventional loans, they provide the opportunity to secure your dream home in a more expensive market. Whether you're purchasing a luxury property or need extra financing for your home, we can help you navigate the jumbo mortgage process and find the right loan for your needs.

Reverse mortgages allow homeowners age 62 or older to convert part of their home equity into loan proceeds, providing a steady stream of income without monthly mortgage payments. The loan is repaid when the homeowner sells the home, moves out, or passes away. This option can help retirees cover living expenses, healthcare costs, or make home improvements, all while remaining in their home. With flexible eligibility requirements, a reverse mortgage can offer financial freedom for seniors looking to unlock the value of their home. Let us guide you through the process and see if it's the right fit for your needs.

High balance mortgages are designed for borrowers looking to finance properties that fall just above the conforming loan limits set by Fannie Mae and Freddie Mac, but still below the thresholds for jumbo loans. These loans offer higher loan amounts with competitive interest rates, making them ideal for purchasing homes in high-cost areas. With a high balance mortgage, you can secure the financing you need for a larger home or property without the stricter requirements of a jumbo loan. Let us help you find the right high balance mortgage option to meet your homeownership goals.

Condo loans are specialized mortgage products designed for buyers interested in purchasing a condominium. These loans offer flexible financing options, whether you’re a first-time homebuyer or an experienced homeowner. Condo loans typically require a lower down payment and can be tailored to fit your financial situation. They are available for both primary residences and investment properties. With specific requirements for the condominium complex itself (such as a certain percentage of units being owner-occupied), we’ll help guide you through the process to ensure a smooth transaction. Let us assist you in securing the financing you need for your condo purchase!

Renovation loans allow homeowners to finance both the purchase of a home and the cost of necessary renovations with a single loan. Whether you're buying a fixer-upper or want to make improvements to your current home, this type of loan can help fund upgrades, repairs, or remodeling projects. With flexible terms and the ability to roll renovation costs into the loan, you can create your dream home without the hassle of multiple loans. Let us help you explore renovation loan options and guide you through the process to make your home improvement plans a reality.