Home Loans

Serving Minnesota, Wisconsin, Arizona, Florida, Virginia, and Oregon

Down Payment Assistance Program 

Financial Support Options Available

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Tailored Home Loan Solutions for Your Dream Home

At The Massa Mortgage Team, we understand that finding the right home loan is as crucial as finding the perfect home. With over 25 years of experience in the mortgage industry, our team of dedicated consultants is committed to guiding you through every step of the home loan process. We offer a comprehensive range of mortgage solutions tailored to meet your unique financial needs and goals. Our expertise spans conventional loans, government-backed options, and specialized programs designed to make homeownership more accessible and affordable.

As a recognized top 100 VA lender, we specialize in serving our veterans and active-duty military personnel. Whether you're a first-time homebuyer, looking to refinance, or interested in exploring down payment assistance programs, The Massa Mortgage Team is here to help you navigate the complexities of home financing. Our commitment to same-business-day responsiveness means you'll never be left waiting for answers. For expert mortgage guidance and a seamless loan experience, contact The Massa Mortgage Team today.

Why Choose Us

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Down Payment Assistance Program

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Financial Support Options Available

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Same Business Day Service

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Free Estimates

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Over 25 Years of Experience

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Fast Service Speed

The Massa Mortgage Team

Conventional Loans

Conventional loans are a popular choice for many homebuyers. These loans typically offer competitive interest rates and flexible terms. Our team will help you determine if a conventional loan aligns with your financial situation and homeownership goals.

Down Payment Assistance

We understand that saving for a down payment can be challenging. That's why we offer access to various down payment assistance programs. These programs can provide financial support for both your down payment and closing costs, making homeownership more attainable.

FHA

Federal Housing Administration (FHA) loans are an excellent option for first-time homebuyers or those with less-than-perfect credit. These government-backed loans often feature lower down payment requirements and more lenient credit score criteria.

High Balance Mortgages

For those purchasing homes in higher-cost areas, high balance mortgages can be the solution. These loans exceed the conforming loan limits set by Fannie Mae and Freddie Mac, allowing you to finance more expensive properties.

Home Ready-Home Possible

These programs, offered by Fannie Mae and Freddie Mac respectively, are designed to help low to moderate-income borrowers achieve homeownership. They often feature low down payment options and flexible credit requirements.

Home Renovation Loans

If you're looking to purchase a fixer-upper or renovate your current home, our home renovation loans can help. These loans allow you to finance both the purchase price and renovation costs in a single mortgage.

Jumbo Mortgages

For luxury homes or properties in high-cost areas, jumbo mortgages provide financing above conventional loan limits. Our team can guide you through the unique requirements and benefits of these larger loans.

New Construction Loans

Building your dream home? Our new construction loans are designed to finance the land purchase and construction process. We'll work with you to ensure smooth transitions from construction to permanent financing.

Non-QM Loans

Non-Qualified Mortgage (non-QM) loans offer alternative options for borrowers who may not meet traditional mortgage requirements. These loans can be particularly helpful for self-employed individuals or those with unique income situations.

Reverse Mortgage

For homeowners aged 62 and older, reverse mortgages can provide financial flexibility in retirement. These loans allow you to tap into your home equity without monthly mortgage payments, while still maintaining ownership of your home.

USDA

USDA loans are designed to promote homeownership in rural and some suburban areas. These loans often feature no down payment requirement and competitive interest rates for eligible borrowers.

VA Loans

As a top 100 VA lender, we specialize in helping veterans and active-duty military personnel access the benefits of VA loans. These loans often offer no down payment, competitive rates, and no private mortgage insurance requirement.

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Here's what our satisfied clients are saying...

At The Massa Mortgage Team, we take pride in providing exceptional lending services to our clients. We would be grateful if you could share your thoughts about our business with others. Your feedback helps us improve and helps others make informed decisions. Please take a moment to leave a review of The Massa Mortgage Team and let others know what you think.