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%.

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.

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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