The Mass Housing Program http://www.masshousing.com has ways to help people low income as does the Federal Housing Authority (known as the FHA loans). http://www.hud.gov/buying/loans.cfm

CENTURY 21 Mortgage has experience helping people obtain the loans they need.

Raymond
Living in Massachusetts, you will be able to qualify for a Mass Housing Program.
I work for First Eastern Mortgage corp., a federal bank in Mass. and we are one of the top Mass housing lenders. So I believe I can help you.
Contact me and we can get it started.
Thanks
Paul

Raymond

I agree with Dan, speak with him and get prequalified this is Step 1. This way, you know what your limits are and you can then start searching for a property, This is step 2.

Step 3 - Work with a buyer's agent. This a real estate person that represents you on home searching, purchase & sales agreement, home inspection and then sale of property. There is no charge to you for a buyers agents help.

The commission on the sale of the property is negotiated between the listing agent and the seller. Split between agents at closing.

If I can be of assistance, please get intouch with me iether via email - amsrealestate@charter.net or by phone Office 774-264-9117 or cell 774-526-2457. I am a Certified Buyers Agent and am licensed in MA & RI.

Raymond,

As long as your income warrants a mortgage, you are fine. but if your debt ratio is too high, I do not have any programs available to you. If you want me to go over your debt raio with you, i dont mind. Just send me an email or give me a call.

Danny Castagna
Sr Loan Officer
E-Mortgage Management
800-793-9633 x 185
dcastagna@emmloans.com