MASSACHUSETTS MORTGAGE LENDER · The Galli Team
Our Roots MassHousing Programs Regions Get Pre-Approved
Massachusetts Mortgage Lender · MA

Massachusetts is home.
We help you buy yours.

We're originally from Massachusetts. Our bankers work here. And we know MassHousing's down payment assistance programs cold.

$25K
MassHousing DPA
3%
Down with MassHousing
29 yrs
Lending Experience
4.9★
145 Reviews

Get Pre-Approved Today

2-hour pre-approval. No SSN required to start. MassHousing-eligible buyers welcome.

🔒Bank-level encryption. Your info stays private.
★
Originally from Massachusetts. Bankers working in Massachusetts. Helping families buy in Massachusetts.
29+Years Experience
$1B+Loans Originated
2 hrsPre-Approval Turnaround
4.9 ★
★★★★★
145 Reviews
50State Lending
Our Massachusetts Story

We grew up here. We never really left.

The Galli Team isn't a Florida shop that opened a Massachusetts office to chase a market. We're a Massachusetts family who built a national mortgage business — and Massachusetts is where it all started.

That matters because Massachusetts is one of the most complex first-time buyer markets in America. The median home price is $645K. Boston-area homes average $857K. Without MassHousing down payment assistance, most first-time buyers simply can't compete.

We know those programs inside and out — not because we read about them, but because our team has been originating MassHousing loans for decades. Combine that with bankers actively working in Massachusetts today, and you get something rare: lender expertise from people who actually understand the market they're financing.

★ Origin
From Massachusetts
★ Boots on Ground
MA-Based Bankers
★ Expertise
MassHousing Pros
★ Licensing
MA Licensed Branch
$645K
MA Median
Home Price 2026
$25K
Max MassHousing
DPA Loan
$7.5K
Max FHLB
HOW Grant
31day
Avg Days on
Market in MA
The MassHousing Advantage

Up to $25,000 in down payment assistance.

The MassHousing Down Payment Assistance program is the single most powerful tool available to Massachusetts first-time buyers. Most lenders barely know how to process it. We do it weekly.

★ MassHousing Down Payment Assistance

Up to $25K toward your down payment.

MassHousing's standard down payment assistance is available to eligible first-time buyers across Massachusetts. It can help with your down payment and closing costs.

$25K
MassHousing DPA Ask us which option fits your income and county

Program rules, income limits and funding change, so we confirm exactly what you qualify for before you start shopping.

Check My Eligibility →
What You Get with MassHousingStandard DPA Program (Always Available)
  • Up to $25,000 in down payment assistance
  • 0% interest deferred loan — repaid only at sale or refi
  • Or 15-year loan at just 2-3% interest
  • Use for down payment, closing costs, prepaid PMI
  • 3% down conventional available with no PMI in some cases
  • Single-family, condo, or 2-4 family primary residence
  • Income limits up to $256,200 for 5+ person households
  • Homebuyer education course required (we help you find one)
Every Massachusetts First-Time Buyer Program

Six programs that change the math for MA buyers.

Most lenders only mention conventional or FHA. We know the Massachusetts state programs inside and out, so first-time buyers get every advantage they qualify for.

M

MassHousing Mortgage + DPA

Up to $25K DPA · Statewide

The flagship Massachusetts first-time buyer program. 30-year fixed mortgage paired with up to $25,000 in down payment assistance. Available as a 0% deferred loan or low-interest 15-year loan. Income limits vary by county and household size.

Best For First-time buyers statewide. Single-family, condo, 2-4 family. Income up to $256,200 (5+ persons).
H

FHLBank Boston HOW Program

Up to $7,500 Forgivable Grant

The Federal Home Loan Bank program offers forgivable grants of up to $7,500 for buyers earning up to 80% of area median income. Forgivable means you don't pay it back if you live there long enough.

Best For Workforce / middle-income buyers. Teachers, nurses, first responders, public servants.
F

FHA Loans (MA Limits)

3.5% Down · Higher Credit Flex

FHA loans pair beautifully with MassHousing DPA for the lowest-cost-to-close MA first-time buyer path. 2026 MA FHA limits run from $498,257 (most counties) up to $1,209,750 (high-cost counties like Suffolk, Middlesex, Norfolk).

Best For 580+ credit score buyers. Stack with MassHousing DPA for near-zero out of pocket.
C

Conventional 97% LTV

3% Down · MA Conforming

For buyers who don't qualify for income-restricted MassHousing programs. 3% down conventional available. 2026 MA conforming limit: $806,500. In high-cost counties (Suffolk, Middlesex, Norfolk, Essex), limit is $1,209,750.

Best For Higher-income first-time and move-up buyers. Above MassHousing income limits.
J

Jumbo Loans (Boston Luxury)

$1.2M+ · Premium Buyers

For Boston metro luxury (Back Bay, Beacon Hill, Brookline, Wellesley, Weston, Concord), Cape Cod waterfront, or premium suburb buyers. Loans above the county conforming limit require jumbo financing. We close jumbos to $3M+.

Best For Boston-area luxury buyers, Cape Cod waterfront, Pioneer Valley estate purchases.

Up to $25K in MassHousing help.

MassHousing down payment assistance can make your first Massachusetts home reachable. If you're a first-time buyer, this is the conversation to have today.

Talk to Chris →
Current Market Snapshot

Massachusetts real estate by the numbers.

The Q1 2026 reality. Updated quarterly with the latest data from Massachusetts Association of Realtors, Redfin, MassHousing, and Realtor.com.

Massachusetts · Q1 2026

Statewide Data
Median Home Sale Price (Statewide)
$645,400
↑ 2.7% YoY
Median Listing Price (Statewide)
$749,450
↑ Premium Market
Boston Single-Family Median
$857,000
↑ 1.4% YoY
Average Days on Market
31 days
↑ More Time vs. 2024
Homes Sold Above List
40.1%
↓ Bidding Wars Easing
2026 MA Conforming Limit (Most)
$806,500
— Standard Counties
2026 MA Conforming Limit (Boston)
$1,209,750
— High-Cost Counties
30-Year Fixed Rate (MA Average)
6.25–6.75%
↑ Above 2024 Lows
Sources: MA Association of Realtors, Redfin, MassHousing, Realtor.com · Data current Q1 2026
Where We Lend in Massachusetts

From Boston to the Berkshires.

Massachusetts is six distinct markets pretending to be one. Each region has its own price points, its own buyer profile, and its own program advantages. Here's what we see daily.

B
Premium

Greater Boston

$857K Median · Jumbo Territory

The state's most competitive market. Suffolk, Middlesex, Norfolk counties have higher conforming limits. Tech industry buyers, healthcare professionals, finance, biotech. MassHousing works here but most homes exceed program purchase price limits.

Boston Cambridge Brookline Newton Somerville Quincy
N
Workforce

North Shore

$550K–$850K · MassHousing Sweet Spot

Coastal communities north of Boston. Salem, Beverly, Marblehead, Gloucester. Strong first-time buyer demand. MassHousing DPA is a strong fit here.

Salem Beverly Marblehead Gloucester Peabody Lynn
S
Family Hub

South Shore

$580K–$780K · Family Buyers

Suburban communities south of Boston — Plymouth, Hingham, Cohasset, Scituate. Strong school districts. Heavy first-time and move-up buyer activity. Most homes fit within MA conforming limits, making MassHousing + DPA a natural fit.

Plymouth Hingham Scituate Cohasset Braintree Weymouth
W
Affordable

Worcester & Central MA

$380K–$525K · Best Value

The most affordable major Massachusetts region. Worcester County medians significantly below state average. Worcester city has revitalized dramatically. MetroWest commuter towns (Framingham, Marlborough) offer Boston-job access at half the price.

Worcester Framingham Marlborough Westborough Shrewsbury Auburn
C
Coastal

Cape Cod & Islands

$650K–$2M+ · Vacation & Primary

Cape Cod and the Islands (Martha's Vineyard, Nantucket) span everything from $500K modest homes to $5M+ waterfront estates. Mix of primary residence buyers, retirees, and second-home buyers. Jumbo financing standard on the Islands.

Hyannis Falmouth Chatham Provincetown Edgartown Nantucket
P
Western MA

Pioneer Valley & Berkshires

$320K–$525K · Most Affordable

Western Massachusetts — Springfield, Northampton, Amherst, Pittsfield. Lowest prices in the state. MassHousing income limits work well here, making first-time buyer programs extremely accessible. Five Colleges area + Berkshire cultural draw.

Springfield Northampton Amherst Pittsfield Holyoke Greenfield
Chris Galli, Massachusetts Mortgage Expert
Meet Your Lender

Massachusetts roots. Nationwide reach.

Chris Galli grew up in Massachusetts. He started his career in lending here. And while The Galli Team is now headquartered in Florida with bankers serving all 50 states — Massachusetts is still where it began.

What that means for you: MassHousing experience, understanding of the Massachusetts buyer mindset, and a team that actually has bankers working in-state. We're not learning Massachusetts on the fly — we've been originating MA mortgages for decades.

For first-time buyers, that experience matters most. MassHousing's DPA program has nuanced eligibility rules. Most lenders don't know how to work it. We do.

29+
Years Experience
$1B+
Loans Originated
NMLS
#13152
4.9★
145 Reviews
The MassHousing Process

From application to keys.

MassHousing loans have a few extra steps vs. conventional — like the homebuyer education course — but the timeline is similar. Here's what to expect.

1
Pre-Approval

2-hour pre-approval. We'll verify your MassHousing eligibility and program options upfront.

2
Homebuyer Education

Required MassHousing-approved class (~5 hours, online or in-person). We help you find one.

3
Find Your Home

Write offers with a verified MassHousing pre-approval. Sellers and listing agents respect them.

4
Close in 30 Days

Underwriting, appraisal, title work. Average MassHousing close: 30-35 days. Keys in hand.

Massachusetts Mortgage FAQ

What MA buyers actually ask us.

Real questions from real Massachusetts buyers. Tap to expand. If something isn't here, call Chris directly at 941.529.1040.

What is MassHousing and who qualifies?
MassHousing is the state's quasi-public housing finance agency. They've funded over $1.9 billion in first-time buyer mortgages since 2023. To qualify: be a first-time buyer (haven't owned a home in 3+ years), meet income limits ($170,800 for 1-2 person households up to $256,200 for 5+ in Boston area), buy a primary residence, and complete a homebuyer education course. Approximately 4 out of 5 MassHousing borrowers also use the down payment assistance program.
How much down payment assistance can I get?
Up to $25,000 through the standard MassHousing DPA program — available as either a 0% deferred loan (repaid only when you sell or refinance) OR a 15-year loan at 2-3% interest.
Can I use MassHousing for a Boston condo?
Yes — MassHousing finances condos as well as single-family homes and 2-4 family properties (if you live in one unit). For Boston-area condos specifically, you'll want to check that the condo project is "warrantable" (most are, but some older or smaller condo associations aren't). We confirm condo eligibility BEFORE you waste time falling in love with a unit that can't be financed.
What's the income limit for MassHousing?
Income limits vary by household size and county. As of 2026, statewide limits run from $170,800 (1-2 person households) up to $256,200 (5+ person households). Boston-area buyers have higher limits: $191,520 (1-2 persons) to $286,980 (5+ persons). Income includes gross wages, bonuses, self-employment income, rental income, alimony, child support, and investment income.
Are you licensed in Massachusetts?
Yes — The Galli Team is licensed in all 50 states including Massachusetts. We have bankers actively working in-state and Chris originated his early career here. NMLS# 13152. Our Massachusetts operation is handled by experienced MA-based loan officers who know the local market, the local realtors, and the local MassHousing approval process.
How long does a MassHousing loan take to close?
Typically 30-35 days from contract to closing — slightly longer than a conventional loan because of the required homebuyer education course and the dual approval (MassHousing + lender). The good news: once you complete the education and pre-approval steps, the back-end process moves smoothly. Plan for 30-35 days vs. the 21-24 days a conventional loan can sometimes close in.
Can I use a MassHousing DPA loan with FHA?
Yes — and this combination is one of the most powerful for credit-challenged MA first-time buyers. MassHousing DPA can be paired with FHA financing, allowing buyers with credit scores as low as 620 (sometimes 580) to put down as little as 3.5% with FHA AND get up to $25K back from MassHousing to cover that down payment and closing costs. Out-of-pocket can be near zero for qualifying buyers.
Massachusetts Is Calling

Your Massachusetts home is more reachable than you think.

$25K in down payment assistance. 3% down options. 0% interest deferred loans. MA-based bankers. 29 years of experience. We make Massachusetts happen.

Get Pre-Approved → 📞 Call Chris (941) 529-1040
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