Worcester, MA Mortgage LenderChris Galli & The Galli Team
Buying a triple-decker, a first home or a move-up in Worcester County? Our Worcester office at 8 Norwich St builds your pre-approval around the exact town, taxes and property you want, with FHA, VA, MassHousing, conventional, jumbo and DSCR options.
Answer a few quick questions and a loan officer will map your best options.
Prefer to talk? Call 941-529-1040 or book a call.
Who is a local mortgage lender in Worcester, MA?
Chris Galli, Region Manager at Novus Home Mortgage, and The Galli Team help buyers and homeowners in Worcester, Massachusetts, and the surrounding Central Mass towns get approved for conventional, FHA, VA, USDA, MassHousing, jumbo, bank statement, DSCR and 2–4 unit loans. Our Massachusetts office is at 8 Norwich St, Worcester, MA 01608, and we lend in all 50 states, backed by our Bradenton, Florida headquarters.
What should Worcester buyers know before they apply?
Triple-deckers are everywhere
Worcester is known for its triple-deckers. If you'll live in one unit, FHA, VA and conventional loans can work, and rent from the other units may help you qualify. Investors can look at DSCR loans.
Septic means Title 5
Many homes in the towns around Worcester use private septic. Massachusetts generally requires a Title 5 inspection within 2 years before a sale. Ask for the report early, because a failed system can change your plans and your loan.
Smoke & CO certificate
Massachusetts requires a smoke and carbon monoxide alarm inspection by the local fire department when a home is sold, and lenders usually want the Certificate of Compliance at closing. Requirements depend on the home's age.
Taxes change by town
Worcester's FY2026 residential tax rate is $13.28 per $1,000 of assessed value. Shrewsbury, Grafton, Holden and the other towns each set their own, so we build your payment with the right one.
Older homes, older systems
Plenty of Worcester-area homes are a century old. Get the roof, heating, electrical and any lead paint questions inspected early so surprises don't land the week before closing.
MassHousing & first-time help
We offer MassHousing programs for income-eligible buyers, and can check state and local assistance. See our down payment assistance guide.
Which Central Massachusetts towns do we serve?
Worcester
Triple-deckers, condos and single-families across the city, including first-time and owner-occupied 2–4 unit buyers.
Shrewsbury & Westborough
Commuter towns along Route 9 and I-90 with a mix of condos, single-families and some jumbo price points.
Grafton, Millbury & Auburn
Established neighborhoods just outside the city, where many homes are on septic and Title 5 matters.
Holden & Leicester
More space and more single-family homes, each with its own town tax rate and inspection rules.
What do Worcester property taxes add to a payment?
Property tax goes into your monthly payment along with principal, interest and insurance. Here's the math at Worcester's FY2026 residential rate. Your actual assessment and town rate will differ.
| Example assessed value | $450,000 |
| Worcester FY2026 rate | $13.28 / $1,000 |
| Yearly property tax | $5,976 |
| Added to your monthly payment | $498 |
More ways we can help
What could my Worcester payment be?
Enter a price, your down payment and a rate you've been quoted. We pre-filled Worcester's FY2026 residential tax rate. Change it if you're buying in another town. The rate box is left blank on purpose so you use your real quote.
Doesn't include mortgage insurance (common with less than 20% down), condo or HOA fees, or flood insurance. 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 Central Massachusetts buyers every day, from first-time buyers and triple-decker owner-occupants to investors and families selling up north to move to Florida. Because we lend nationwide, you can buy here, buy in another state, or do both with the same people.
Why Worcester buyers 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 |
| MassHousing programs | Sometimes | ✓ |
| Owner-occupied 2–4 unit & triple-deckers | Limited | ✓ |
| Bank statement loans | ✗ | ✓ |
| DSCR / investor loans | ✗ | ✓ |
| 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!"
Worcester mortgage questions, answered.
No vague answers. We explain exactly how this works before you ever fill out a form.
Get My Free Loan Plan →Sources: City of Worcester Assessing, FY2026 tax rates (worcesterma.gov); Worcester Business Journal, "Worcester City Council sets 2026 tax rates"; Mass. DEP, Buying or Selling Property with a Septic System (mass.gov); Mass. Department of Fire Services, smoke and CO alarm guide for home sales (mass.gov). Checked October 2026; rules and rates change, so confirm with the town.
Ready to buy in Worcester?
Get a pre-approval built for the town and the home you actually want. Guidance over gimmicks.
Answer a few quick questions and a loan officer from our Worcester office team will map your best options.