The Best Mortgage Lenders in Chartley, MA
Compare verified mortgage lenders serving Chartley, Massachusetts. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Chartley
Featured Mortgage Lenders
Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a top-rated national mortgage lender with a strong presence in Massachusetts, known for its competitive rates, efficient online platform, and exceptional customer service. They offer a wide range of loan products and have local loan officers who serve the Chartley area, ensuring personalized support. With high ratings from thousands of customers, they are praised for their transparency, quick closing times, and expertise in various mortgage types, making them a reliable choice for homebuyers in Southeastern Massachusetts.
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Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a highly reputable lender with a dedicated branch in Braintree, MA, serving the Chartley region. They are celebrated for their customer-centric approach, competitive rates, and extensive loan options, including specialized programs for first-time homebuyers. With nearly three decades of experience, they have built a strong track record for reliability, community involvement, and high customer satisfaction, as reflected in their numerous positive reviews and industry awards.
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Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a nationally recognized lender with a robust presence in Massachusetts, offering fast and flexible mortgage solutions for the Chartley area. They are known for their streamlined processing, competitive rates, and commitment to community support. With a focus on customer satisfaction, they provide a variety of loan products and have loan officers available locally to assist with home financing needs. Their high ratings and positive feedback highlight their efficiency and dedication to making the mortgage process smooth and accessible.
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Frequently Asked Questions
Common questions about mortgage lending in Chartley, MA
What are the current mortgage rates like in Chartley, MA compared to the rest of Massachusetts?
Mortgage rates in Chartley are generally in line with statewide Massachusetts averages, but can sometimes be slightly higher than in more urban areas due to the town's rural nature and smaller lender competition. As of late 2023, you can typically expect rates to range between 6.5% and 7.5% for a 30-year fixed mortgage, though this varies by lender and borrower qualifications. It's particularly important to shop around with both local and national lenders when seeking the best rate in Chartley.
Are there any special mortgage programs for first-time homebuyers in Chartley?
Yes, Chartley homebuyers can access Massachusetts state programs like MassHousing and the ONE Mortgage program, which offer competitive interest rates, low down payment options (as little as 3%), and down payment assistance. These programs are particularly valuable in Chartley where housing inventory can be limited, helping buyers compete more effectively. Additionally, some local lenders may offer special programs for buyers in Rehoboth and surrounding towns including Chartley.
How does Chartley's rural character affect the mortgage process?
Chartley's rural designation can impact lending through stricter requirements for properties with wells and septic systems, which are common in the area. Lenders may require additional inspections and testing for these systems before approving a loan. Some properties might also need to meet USDA eligibility requirements if you're considering a USDA rural development loan, which can be an excellent option for qualified buyers in Chartley.
What should I know about property taxes when getting a mortgage in Chartley?
Chartley has relatively moderate property tax rates compared to other Massachusetts communities, currently around $14.50 per $1,000 of assessed value. When calculating your mortgage payment, lenders will factor in these taxes along with required homeowners insurance. It's important to note that while Chartley's rates are reasonable, property assessments have been increasing with market values, so your tax burden may rise over time.
Are there any local down payment assistance programs specifically for Chartley homebuyers?
While there aren't programs exclusive to Chartley, the Massachusetts Housing Partnership's ONE+Boston program and other state initiatives are accessible to Chartley residents. Some regional programs through Bristol County may also be available. Many Chartley buyers successfully combine MassHousing loans with the state's down payment assistance programs, which can provide up to $15,000 in assistance for qualified first-time homebuyers.
Nearby Cities
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Why Choose a Mortgage Lender in Chartley?
Local Market Knowledge
Lenders who understand Chartley's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Massachusetts.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Chartley and get competitive rates on your home loan.