Modern Mortgages, from Boston to the Berkshires
Altgage is a licensed Massachusetts mortgage broker based in Boston. We shop multiple lenders, finance 2–4 family homes, and answer the phone.
Same-Day Pre-Approval
15–20 Day Close
One Application, Multiple Options
A Top Line Overview
Local Market Snapshot
Typical Home Value
$650,000
Source: Zillow.com
As of June 2026
Median Days on Market
25 Days
Source: Redfin, Boston metro
As of May 2026
Median Household Income
$104,800
Source: U.S. Census Bureau
2024 data
Where We Lend:
Boston, Cambridge, Worcester, the North Shore, MetroWest, the South Shore, and the Berkshires. Massachusetts moves fast and inventory is tight — which is exactly where same-day pre-approval wins the offer.
What We Finance
Whatever You're Financing in Massachusetts
Buying a home
Buying your first or next home? Same-day pre-approval so your offer stands out in a competitive market.
Refinance
Lower your rate, change your term, or pull cash out. We'll show you the math before you commit.
HELOC
Tap your equity and keep your low first-mortgage rate. Fixed-rate options, funding in as few as 5 days.
Investment properties
Qualify on the property's rental income with a DSCR loan, not your tax returns. We finance rentals and 2–4 family homes across Massachusetts.
You may need less upfront than you think.
Down Payment Help in Massachusetts
You may not need a big down payment to buy in Massachusetts. These programs are open to buyers across the state.
Chenoa Fund DPA
Covers the 3.5% FHA down payment with a second loan. You don't need to be a first-time buyer.
- Pairs with an FHA first mortgage
- Repayable and forgivable options
National Homebuyers Fund
Down payment and closing cost help from a national nonprofit, paired with an FHA loan. Income limits apply.
- Available in every state we serve
- Covers down payment and closing costs
Program terms and income limits change. We'll check what you qualify for before you apply. See the FAQ below for MassHousing and ONE Mortgage.
The Altgage Difference
Why a one-stop tech brokerage beats your bank every time
1
1 day Pre-approval
Submit and get moving the same day — not "a loan specialist will get back to you.
15
15 day closings
A process built to close in days, not the industry-standard month-plus.
0
0 spam calls
No autodialers, no call center — one licensed broker who actually answers the phone.
10+
10+ lender options
We shop 10+ lenders on your loan, so you see more than one bank's price.
A trusted partner for mortgage originations
We work with the best in the business
Realtor partners
We work with agents across Massachusetts
We partner with buyer's and listing agents statewide who need a trusted partner on the journey home.
Don't see your city? We lend across all of Massachusetts
Client reviews
Real reviews, straight from Google
Frequently asked questions
You’ve got questions, we’ve got answers
MassHousing offers first mortgages with down payment assistance, and the Massachusetts Housing Partnership runs the ONE Mortgage program for first-time buyers. Both work through their participating lenders. Altgage offers Chenoa Fund and National Homebuyers Fund down payment help to buyers anywhere in Massachusetts.
Yes, if you live in one of the units. Conventional loans allow as little as 5% down on owner-occupied 2–4 family homes, and FHA allows 3.5%. Rent from the other units can help you qualify.
Massachusetts closings are run by an attorney, usually one representing the lender. Many buyers also hire their own attorney to review the purchase and sale agreement.
Come in fully pre-approved, not just pre-qualified. We issue pre-approvals the same day and close in 15 to 20 days, so sellers can trust your offer.
Yes. A HELOC lets you borrow against your equity and keep the rate on your first mortgage. Fixed-rate options can fund in as few as 5 days.
