The Best Mortgage Lenders in Roslindale, MA
Compare verified mortgage lenders serving Roslindale, Massachusetts. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Roslindale
Featured Mortgage Lenders
Michael McCue
CrossCountry Mortgage, LLC
Michael McCue and his team at CrossCountry Mortgage's West Roxbury office (serving Roslindale directly) maintain exceptional 4.9-star ratings across multiple platforms with nearly 200 reviews. They specialize in first-time homebuyer programs and offer personalized service for the Roslindale market. With over 15 years of local experience, they understand Boston's unique neighborhood dynamics and provide competitive rates on conventional, FHA, and jumbo loans. Their strong community presence and extensive knowledge of Roslindale's housing market make them a top choice for local home financing.
Loan Types:
Leader Bank
Leader Bank, N.A.
Leader Bank has built an outstanding reputation across Greater Boston with consistent 4.8-star ratings from hundreds of customers. As a community-focused bank with multiple locations serving the Boston area, they offer highly competitive jumbo loan products and exceptional customer service. Their experienced loan officers specialize in Massachusetts real estate transactions and provide personalized guidance through the entire mortgage process. With 20 years of operation and strong capital reserves, they offer stability and reliability for Roslindale homebuyers seeking competitive rates and local decision-making.
Loan Types:
Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate maintains a strong presence in the Boston metropolitan area with multiple offices serving Roslindale residents. With over 22 years in business and nearly 500 reviews averaging 4.7 stars, they offer a tech-forward mortgage experience combined with local expertise. Their digital mortgage platform streamlines the application process while their experienced Boston-based loan officers provide personalized service. They're particularly known for competitive conventional and jumbo loan rates, quick closings, and excellent communication throughout the mortgage process for Roslindale homebuyers.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Roslindale, MA
What are the current mortgage rates like for homes in Roslindale, MA?
Mortgage rates in Roslindale typically align with national averages but can be slightly higher than the national median due to Massachusetts' competitive housing market. As of late 2023, 30-year fixed rates in the Boston area (including Roslindale) have been hovering around 6.5-7%. It's important to shop multiple local lenders as rates can vary significantly between Boston-area banks and credit unions.
Are there any first-time homebuyer programs specific to Roslindale that can help with down payments?
While there aren't programs exclusive to Roslindale, Boston-area homebuyers can access several Massachusetts state programs like MassHousing's ONE Mortgage Program, which offers low down payments (as little as 3%) and competitive rates. Additionally, the City of Boston's ONE+Boston program provides down payment assistance to income-eligible buyers purchasing in Boston neighborhoods including Roslindale.
How does Roslindale's competitive housing market affect the mortgage pre-approval process?
Given Roslindale's highly competitive real estate market where properties often receive multiple offers, having a strong pre-approval from a reputable local lender is crucial. Sellers typically prefer buyers who use Boston-area lenders familiar with local closing timelines and requirements. You'll need a fully documented pre-approval (not just pre-qualification) to be competitive in offers.
What special considerations should I know about getting a mortgage for a multi-family home in Roslindale?
Multi-family homes are common in Roslindale and require different mortgage considerations. You'll typically need a higher down payment (15-25% for 2-4 unit properties) and lenders will consider potential rental income from the additional units in your qualification. Local lenders familiar with Roslindale's multi-family market can better assess these properties' income potential.
Are there any local property tax exemptions or programs that affect mortgage calculations in Roslindale?
Yes, Boston offers several property tax exemptions that can impact your overall housing costs. The Residential Exemption can significantly reduce the taxable value of your primary residence, while there are additional exemptions for seniors, veterans, and blind residents. Your mortgage lender should help you factor in these potential savings when calculating your total monthly housing payment.
Nearby Cities
Explore mortgage lenders in cities near Roslindale, MA
Why Choose a Mortgage Lender in Roslindale?
Local Market Knowledge
Lenders who understand Roslindale'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 Roslindale and get competitive rates on your home loan.