Programs

Rhode Island Tax Credit
The government has provided the state of Rhode Island with $75 million to offer first time homebuyers (and new homebuyers who have not owned a home in the last three years) a 20% tax credit, up to $2,000 per year on the interest paid on a mortgage after July 1, 2014.

Conventional Loan
The “traditional” Fannie Mae or Freddie Mac loan. Down payment can be as low as 5%.

FHA
A government-backed loan for first time home buyers or those with higher debt to income ratio. Down payments starting at 3.5%.

FHA 203K Rehab Loan
Our in-house 203k rehab program allows the client to buy or refinance a home with a loan up to $31,000 above purchase price toward home repair or remodel. Quick turnaround time. Down payments starting at 3.5%.

FHA Back to Work Loan
If you have had a foreclosure, short sale, deed-in-lieu of foreclosure, or have declared bankruptcy you may qualify for a new home loan if you are back to work and can document the extenuating circumstances. Must complete HUD approved housing counseling.

USDA Loan
Financing for rural housing with up to 100% financing/ no down payment. Click here to see if your property is USDA eligible.

VA Loan
A product tailored to those who are serving/ have served in the military. Up to 100% financing/ no down payment.

Jumbo Loan
Loan for larger amounts – up to $2.5 million

RI & MA Housing

Not sure which to choose? Fill out the form below and we’ll contact you to answer all of your questions.

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