Where in Massachusetts are you, Ris? I have a couple of very good lenders I could refer you to if you're in the Boston/Eastern MA region. If you'd also consider making sure the home is Energy Star compliant and it needs some upgrades in order to become classified as such, you may also want to consider an Energy Efficient Mortgage, which would get you an even LOWER rate than otherwise possible.
Let me know if you'd like more details, or you can refer to my blog at http://cybergreenrealty.wordpress.com
and read my entry on Energy Efficient Mortgages to find out more.
Best of luck and congrats on being such a wise saver!