Hi..I am not aware of any special incentives at this time other than what Rich Shapiro wrote in his response. Rates are quite low and if you and the complex qualify for FHA then you have a small down payment. Has anyone offered to set you up on Waltham condo listings? I can connect you through our MLS system that will give you the listing sheets with association condo fees, the real estate taxes etc. and I believe there are links on it for calculating approximate payments with the fees, taxes and insurance added in if you put in an approximate interest rate. I would be happy to do so if you want to contact me directly at LHagopian@hammondre.com and provide me with your email address. THe listings usually come through quickly with photos and all. All I need to know if you are interested in a one or two bedroom, the towns, approximate price range etc. There is no obligation involved but I would be glad to help if needed.