VA Loans in MassachusettsChris Galli & The Galli Team
No down payment required by VA, and no VA loan limit with full entitlement. Our Worcester office team helps Massachusetts veterans, service members and eligible surviving spouses use their VA benefit for a home, a 2–4 unit or a refinance, with the funding fee shown up front.
Answer a few quick questions and a loan officer will map your VA and other options.
Prefer to talk? Call 941-529-1040 or book a call.
Who offers VA loans in Massachusetts?
Chris Galli, Region Manager at Novus Home Mortgage (NMLS #13152), and The Galli Team help Massachusetts veterans, active-duty service members, National Guard and Reserve members and eligible surviving spouses buy and refinance with VA loans from our office at 8 Norwich St, Worcester, MA 01608. With full entitlement, VA sets no loan limit and requires no down payment. Your lender still decides how much you can afford.
What should Massachusetts VA buyers know in 2026?
No VA limit with full entitlement
If you have full entitlement, VA doesn't cap the loan amount. Your approval is based on income, credit and the home. If part of your entitlement is tied up in another VA loan, your remaining entitlement is based on the county loan limit.
The funding fee, explained
For a first-use VA purchase with less than 5% down, the funding fee is 2.15% of the loan. 5% down lowers it to 1.5%, and 10% down to 1.25%. After first use, it's 3.3% with less than 5% down. You can pay it or finance it.
Who doesn't pay the fee
Veterans receiving VA compensation for a service-connected disability, surviving spouses receiving DIC, and active-duty Purple Heart recipients are among those exempt. Your Certificate of Eligibility (COE) shows your status.
Triple-deckers with VA
VA can be used on a 2–4 unit home if you live in one of the units, which makes Worcester's triple-deckers a real option. See multi-family & triple-decker loans.
Two ways to refinance
A VA streamline refinance (IRRRL) carries a 0.5% funding fee. A VA cash-out refinance is 2.15% for first use and 3.3% after, unless you're exempt. VA allows cash-out up to 100% of value, but many lenders cap it at 90%.
Massachusetts veteran benefits
Massachusetts cities and towns offer property tax exemptions for qualifying veterans, such as those with a service-connected disability of 10% or more (Clause 22). Apply with your town's assessor. We also offer MassHousing programs.
Who can use a VA home loan?
Veterans
Eligibility depends on your length and character of service. VA confirms it with a Certificate of Eligibility, which we can help you request.
Active-duty service members
You can use your benefit while serving, including for a home near your next duty station or a 2–4 unit you'll live in.
National Guard & Reserve
Guard and Reserve members can qualify too. VA funding fee rates are the same across branches and service types.
Surviving spouses
Some surviving spouses are eligible, and those receiving Dependency and Indemnity Compensation (DIC) don't pay the funding fee.
What is the VA funding fee on a $450,000 Massachusetts home?
The fee depends on your down payment and whether it's your first VA loan. Here's the math at VA's current rates. Your price and loan will differ.
| Example price | $450,000 |
| First use, 0% down (2.15%) | $9,675 |
| Subsequent use, 0% down (3.3%) | $14,850 |
| First use, 5% down (1.5% of $427,500) | $6,413 |
| Exempt veteran (disability compensation) | $0 |
More ways we can help
How much is my VA funding fee?
Pick your loan type and whether this is your first VA loan, then enter the price (or the new loan amount for a refinance) and your down payment. Check the exempt box if you receive VA disability compensation or another exemption applies.
Add a rate you've been quoted to see principal and interest on the loan with the fee financed. The rate box is blank on purpose. Funding fee rates are from VA's current chart. Not a loan offer. All loans subject to credit approval.
I've been in this industry for over 29 years, and I started The Galli Team for one reason: too many good people were being told "no" by lenders who didn't know how to structure their deal.
Our Worcester office team works with Massachusetts veterans and military families every day, from first homes to owner-occupied triple-deckers and refinances. We check your entitlement and funding fee status before you shop, explain every number, and because we lend nationwide, we can help with a PCS move or a home in Florida too.
Why Massachusetts veterans choose us over big banks
Most lenders have one playbook. We have dozens, built for real-world situations banks won't touch.
| Big Banks & Online Lenders | The Galli Team ✦ | |
|---|---|---|
| Response time | 24 – 72 hours | Within 2 hours |
| Funding fee and exemption checked up front | Sometimes | ✓ |
| VA on owner-occupied 2–4 units & triple-deckers | Limited | ✓ |
| IRRRL and VA cash-out refinances | Sometimes | ✓ |
| Denied elsewhere? | No second look | We restructure your file |
| Buying in Massachusetts and Florida | Two different lenders | One team, both states |
| Lending states | Varies | All 50 states |
Don't take our word for it.
Real people. Real loans. Real results.
"This is my 5th property purchase and the smoothest transaction by far! I will be using Chris as my go-to mortgage lender from now on."
"Chris, Julie and Rosa were very helpful purchasing my vacation home in Florida. Available all hours. Will definitely use them again!"
"Chris and his team were great to work with. Always available, kept us updated throughout. We closed early with no surprises. Highly recommend!"
Massachusetts VA loan questions, answered.
No vague answers. We explain exactly how this works before you ever fill out a form.
Get My Free Loan Plan →Sources: U.S. Department of Veterans Affairs, VA funding fee and closing costs, updated October 2026 (va.gov); VA home loan limits (va.gov); Veterans United, VA funding fee chart and VA cash-out refinance guide (veteransunited.com); Mass. Department of Revenue, guide to real estate tax exemptions for qualifying veterans (mass.gov). Checked October 2026; VA rules and fees change, so confirm with us and your COE.
Ready to use your VA benefit in Massachusetts?
Get a VA pre-approval with your funding fee and entitlement checked up front. Guidance over gimmicks.
Answer a few quick questions and a loan officer from our Worcester office team will map your VA options.