Welcome Home Mortgage is headquartered in Dedham, MA — right at the center of the Bay State. We’ve helped hundreds of Massachusetts families buy, refinance, and build wealth across all 351 cities and towns. From triple-deckers in Boston to capes on the Cape, we know this market inside out.
MA Cities & Towns
FHA Limit in Boston
Avg. to Close
Loan Programs
Serving All of Massachusetts
All 351 cities & towns — Headquartered in Dedham, MA
We’re not a national call center. Our office is at 515 Providence Highway, Suite 205 in Dedham, MA — 9 miles from downtown Boston. Our loan officers handle Massachusetts mortgages every day: from competitive Greater Boston condo markets to the triple-decker opportunities of Worcester, the affordability of Springfield, and the beauty of Cape Cod.
That local knowledge matters. We know that a Lowell or Lawrence first-time buyer needs different guidance than a Newton Jumbo buyer. We know the attorney closing process, MassHousing programs, the 203k renovation loan — and we use all of it to serve you.
Statewide Median Home Price
~$595,000
Greater Boston Metro Median
~$720,000
Worcester Metro Median
~$385,000
Pioneer Valley Median
~$265,000
FHA Limit — Suffolk County
$1,089,300
FHA Limit — Most MA Counties
$828,000
VA Loan Limit
No Maximum ✓
Attorney Closing Required
Title Company ✓
Avg. Days on Market
None ✓
• MassHousing — DPA up to 5% of purchase price
• ONE Mortgage Program — No PMI, below-market rate
• Operation Welcome Home — For MA veterans
• Boston DPA Loan — For Boston residents
• USDA Rural Development — 0% down, eligible towns
• FHA 203k — Buy + renovate in one loan
From the competitive streets of Cambridge to triple-deckers in Worcester, Cape Cod cottages, and the affordability of Springfield — we serve all 351 Massachusetts communities. Here are the key markets where we work every day.
Suffolk County
Pop. ~675,000
Middlesex County
Pop. ~118,000
Middlesex County
Pop. ~81,000
Norfolk County
Pop. ~101,000
Middlesex County
Pop. ~88,000
Norfolk County
Our Headquarters
Middlesex County
Pop. ~62,000
Middlesex County
Pop. ~58,000
Essex County
Pop. ~102,000
Middlesex County
Pop. ~47,000
Middlesex County
Pop. ~62,000
Norfolk County
Pop. ~27,000
Norfolk County
Pop. ~56,000
Norfolk County
Pop. ~33,000
Essex County
Pop. ~44,000
Essex County
Pop. ~53,000
Essex County
Pop. ~43,000
Essex County
Pop. ~30,000
Essex County
Pop. ~80,000
Essex County
Pop. ~65,000
Essex County
Pop. ~50,000
Essex County
Pop. ~36,000
Plymouth County
Pop. ~105,000
Plymouth County
Pop. ~62,000
Plymouth County
Pop. ~25,000
Plymouth County
Pop. ~27,000
Bristol County
Pop. ~101,000
Bristol County
Pop. ~94,000
Bristol County
Pop. ~57,000
Bristol County
Pop. ~45,000
Worcester County
Pop. ~206,000
Middlesex County
Pop. ~72,000
Worcester County
Pop. ~42,000
Worcester County
Pop. ~42,000
Middlesex County
Pop. ~38,000
Barnstable County
Cape Cod
Barnstable County
Cape Cod Village
Barnstable County
Pop. ~31,000
Barnstable County
Pop. ~20,000
Hampden County
Pop. ~155,000
Hampden County
Pop. ~40,000
Hampden County
Pop. ~55,000
Hampden County
Pop. ~42,000
Hampshire County
Pop. ~28,000
Hampshire County
Pop. ~40,000
Berkshire County
Pop. ~44,000
Berkshire County
Pop. ~7,000
+ Every other city and town in all 14 Massachusetts counties. We are licensed statewide. Call us about your area →
Every loan type — matched to your specific Massachusetts situation, priced competitively, and processed by a local team who knows the Bay State.
The most popular choice for Massachusetts first-time buyers. With FHA limits up to $1,089,300 in Suffolk County and flexible credit standards, FHA financing works across every MA market — from the South Shore to the Berkshires.
Proudly serving Massachusetts veterans and active-duty military stationed at Hanscom AFB, Camp Edwards, and Westover ARB. Zero down payment, no PMI — the best mortgage in America for those who served.
For qualified MA buyers in higher-priced markets like Newton, Brookline, Wellesley, and Lexington. Also the go-to for Massachusetts investment properties, second homes, and Cape Cod vacation cottages.
Massachusetts has some of the oldest housing stock in America. The 203k lets you buy a fixer-upper and finance renovations in one single loan — the perfect product for New England's triple-deckers, colonials, and Victorians.
Many Western and Central Massachusetts communities qualify for USDA zero-down rural financing. Parts of Worcester County, Hampshire, Hampden, and Berkshire counties have eligible areas — no down payment required.
Lower your existing Massachusetts mortgage rate, tap home equity for renovations or debt consolidation, or shorten your loan term. We coordinate with MA real estate attorneys from day one for smooth closings.
We are not a 1-800 number or a remote fintech. We are neighbors — based at 515 Providence Highway in Dedham, with loan officers who know this market because they live here.
Massachusetts is one of only 12 attorney-closing states. We work with a vetted network of real estate attorneys across every county — no surprises on closing day, and closings that actually happen on time.
We're trained to evaluate every Massachusetts-specific program you might qualify for: MassHousing, ONE Mortgage, the Boston DPA Loan, and local municipal grants — all at no extra cost to you.
Massachusetts triple-deckers are a unique wealth-building opportunity. We specialize in FHA multi-family financing that lets you owner-occupy one unit while rental income from the other two helps you qualify.
In a market where homes sell in days, our 21-day average closing and same-day pre-approval letters mean you can compete confidently against buyers with conventional or cash offers.
Licensed Massachusetts Mortgage Broker
vs. 45+ industry average
Average Google rating
Suffolk Co. (Boston): $1,089,300
Middlesex / Norfolk / Essex: $828,000
Bristol / Plymouth / Worcester: $828,000
Hampden / Hampshire: $472,030
Berkshire: $472,030
Massachusetts is one of the most competitive and complex real estate markets in the United States. Understanding how mortgages work here requires knowing the state’s unique legal framework, its aging housing stock, its wide range of local programs, and its unusually high FHA loan limits in the Greater Boston area. Welcome Home Mortgage lives in this market — and we’re here to guide you through every step.
Unlike most states, Massachusetts requires a licensed real estate attorney to conduct all mortgage closings. The attorney performs the title examination, prepares all closing documents, disburses funds, and records the deed. This is a critical distinction — and one that can slow down or derail deals when buyers and their lenders aren’t prepared for it. We are. Welcome Home Mortgage maintains relationships with experienced real estate attorneys across all 14 Massachusetts counties, ensuring your closing happens on time and without surprises.
No other state has a housing type quite like the Massachusetts triple-decker. These three-story, three-family wooden-frame homes — built primarily between 1880 and 1930 and concentrated in Greater Boston, Worcester, Springfield, Fall River, and New Bedford — represent one of the best wealth-building opportunities in American real estate. An FHA loan allows you to purchase a 1–4 unit property as long as you occupy one unit as your primary residence. This means you can buy a triple-decker with as little as 3.5% down, live on one floor, and use rental income from the other two units to help qualify for your mortgage. The FHA 203k renovation loan is also a perfect fit for these older properties that often need updating — it lets you finance the purchase and renovation in a single loan.
Massachusetts offers some of the strongest first-time buyer programs in the nation. We evaluate all of them for every client:
In Boston, Cambridge, Somerville, Brookline, and surrounding communities, the market is extraordinarily competitive. Median prices regularly exceed $700,000 and homes often sell with multiple offers within days of listing. Sellers and their agents expect buyers to arrive with fully-underwritten pre-approval letters — not just pre-qualification. Our same-day pre-approval process gives you a real pre-approval based on actual document review, so you compete with full credibility against even cash buyers.
Massachusetts has many more affordable markets worth exploring. Springfield, Holyoke, and Chicopee in the Pioneer Valley regularly see median prices under $300,000, making them prime FHA markets. Lowell, Lawrence, and Haverhill in the Merrimack Valley offer strong first-timer opportunities with below-average prices relative to wages. Fall River and New Bedford on the South Coast provide excellent coastal-adjacent value. Worcester continues to attract Boston-priced-out buyers with a growing arts, dining, and professional scene at significantly lower prices.
Cape Cod represents a unique sub-market: a combination of year-round residents buying primary homes and seasonal buyers purchasing vacation properties. FHA and VA loans work for primary residences anywhere on the Cape. Vacation homes require conventional financing with at least 10% down. We help buyers understand the distinctions upfront so there are no surprises at the application stage.
State Capital
Boston
Population
~6.9 Million
~$89,000
Number of Counties
14
Attorney Required
Min. FHA Down Payment
3.5%
Suffolk Co.
$1,089,300
Middlesex Co.
$828,000
Norfolk Co.
$828,000
Bristol Co.
$828,000
Hampden Co.
$472,030
Hampshire Co.
$472,030
Berkshire Co.
$472,030
“First-time buyer in a Quincy condo war — I had no idea what I was doing. Welcome Home got me a real pre-approval in the same afternoon, walked me through FHA options, and we closed 19 days after my offer was accepted. I beat out buyers with conventional financing. Incredible team.”
Quincy, MA — FHA Purchase
“I’m a Navy vet and used my VA benefit to buy a home in Dedham. The team handled my Certificate of Eligibility, found an attorney locally, and walked me through every step. Zero down, no PMI, closed in 22 days. Every veteran should know this team exists.”
Dedham, MA — VA Loan
“We used the FHA 203k to buy a triple-decker in Worcester that hadn’t been updated since the 1970s. Welcome Home handled contractor approval, draw inspections, everything. Now we live on the top floor and the rent from the other two units covers almost our entire mortgage. Life-changing.”
Worcester, MA — FHA 203k
No hard credit pull to start. Same-day pre-approval letters. A Massachusetts-licensed loan officer will review your application and be in touch within hours — not days.