Mortgage Broker License Number: MB2709

We Want to Help You!

Massachusetts Mortgage Broker Service

A new home can be yours, get in touch with us today!

A new home can be yours, get in touch with us today!

We want to help you get a loan!

Right Trac Financial is proud to provide honest and professional mortgage brokerage services to assist you in obtaining a loan in Massachusetts.

For many, securing a mortgage in Massachusetts can prove difficult. Residents like you are often unable to buy a home or get a loan due to all kinds of paperwork requirements, credit issues, only so many houses for sale, high costs, rising interest rates, and other obstacles.

But it doesn’t have to be this way!

We are here to help you work through the loan process and get you the financing you need to buy your dream home, refinance or get out of debt in Massachusetts.

We can’t wait to work with you to assess your needs and find the best loan option available to you. We offer a variety of services, including home loans, refinancing, debt consolidation, credit counseling, and more.

We are here to get you a loan!

We are here to help Massachusetts residents obtain a loan.

We are here to help Massachusetts residents obtain a loan.

We provide mortgage broker services throughout the state of Massachusetts

To assist you in obtaining a home loan, we at Right Trac Financial are delighted to provide several financing alternatives in Massachusetts. For more than 40 years we’ve helped thousands of people through the mortgage and credit repair process to acquire their ideal houses, refinance, or consolidate their debt. We’re eager to assist you with all of your mortgage requirements.

We’ll find you the best loan for your needs.

Each client is unique. Some have bad credit, while others don’t have the documentation required by the big banks. Some people want to refinance their mortgage while others desire a better house with more space for their family. We offer full mortgage broker services. Whatever your MA broker’s services requirements are, you can be certain that you’re receiving the greatest service from the Right Trac Financial team.

  • Massachusetts Home Loans – Massachusetts has a number of home financing options. Residents of Massachusetts can learn more about the loan alternatives available to them below or contact us right now. We have years of experience assisting Massachusetts residents just like you with successful mortgage applications and moving into a home.
  • Massachusetts Credit Counseling – A credit counseling organization like Right Trac Financial can prove to be an excellent service that helps you improve your credit score and obtain a mortgage. When you work with one of our expert MA credit counselors, they will educate you on your credit report and advise you on how to raise your credit score. When applying for a home loan, having a solid credit score can make a world of difference. Click here for more information on our debt counseling services.
  • Massachusetts Debt Consolidation – Depending on your circumstances, debt consolidation can be a life-changing opportunity, particularly if you have a high-interest credit card or another type of debt. For some, combining debts can help save thousands of dollars by reducing your monthly payments. If you are overwhelmed by debt, don’t wait any longer to make a change. Now is the time to get in touch with one of our MA debt consolidation professionals. Click here to learn more about your debt consolidation options.
  • Massachusetts Refinance Loans – If you already have an MA loan and want to change your interest rate, lower your monthly payment, or take out cash for home improvements, we can help you refinance. Refinancing your MA loan might help you save money over the life of the loan by lowering your monthly payments. You may be able to decrease the amount of money you pay monthly or change your interest rate.

The bottom line is that we’re here to assist you with your Massachusetts home loan. With a fresh financial instrument, you may improve your life. Our staff is dedicated to providing “exceptional mortgage solutions” to customers by working with them to assess their needs and circumstances in order to find the best MA loan at the lowest rate possible. We’ll work with you to make sure that the process is as stress-free as possible so you can focus on what’s important – your family, your home, and your life in Massachusetts.

If you’re ready to get started, please contact us today – we can’t wait to help you!

Massachusetts Loan Options

In Massachusetts, there are a variety of different types of loans to choose from, each suitable for different situations. It’s important to figure out which one is best for your needs – but that’s what we’re here for! Right Trac Financial is here to help you identify the ideal MA loan for your situation.

We can assist you securing a wide-range of loans, including:

  • Massachusetts First-Time Home Owner Mortgages – It might be frightening to buy your first home in Massachusetts, but don’t worry! We’re here to help you make an informed decision. We want to make the home-buying process as painless as possible and get you into a home. To discover more about loans for new home owners, visit here.
  • Massachusetts FHA Loans – If you are a first-time homebuyer, an FHA mortgage might be the best option for you. The government insures or guarantees MA FHA loans, which have several benefits. Learn more about FHA Loans or FHA 203(k) mortgages or just get in touch with us now.
  • Massachusetts Conventional Loans – Conventional Loans are the most popular type of mortgage in Massachusetts. Conventional home loans can be a good choice for people looking to borrow money from top lenders in their area. A conventional loan is usually secured by a mortgage broker, such as Right Trac Financial, who finds the best lender for you. Conventional loans have several advantages; one is that you can receive a lower interest rate if you have good credit.
  • Massachusetts VA Loans – In Massachusetts, veterans and active military personnel can get a VA loan. VA loans are government-backed mortgages with numerous benefits. We want to assist you in obtaining a MA VA mortgage.
  • Massachusetts USDA Loans – USDA mortgages are guaranteed by the United States Department of Agriculture. Residents in rural areas in Massachusetts who meet certain income and credit requirements may qualify for these types of loans, which are often no money down. Please contact us to learn more about MA USDA loans or visit here to discover more about USDA loans.
  • Massachusetts Jumbo Loans – A jumbo loan is a mortgage that exceeds the Fannie Mae and Freddie Mac conforming loan limit. Jumbo loans in Massachusetts come with a number of benefits, including the ability to borrow more money, reduced interest rates, no private mortgage insurance (PMI), and looser underwriting criteria. To learn more about jumbo loans, click here.
  • Massachusetts Fixed Rate Mortgages – When it comes to Massachusetts loan financing, a fixed-rate mortgage is typically the best choice. A fixed-rate mortgage has a known interest rate and, as a result, your monthly payments will stay constant over the course of the loan term. We want to assist you in obtaining a fixed-rate loan in Massachusetts. Click here for more information on fixed-rate mortgages.
  • Massachusetts Adjustable Rate Mortgage (ARMS)An adjustable-rate mortgage, or ARM, is a type of mortgage with a changing interest rate. Because of this, the interest rate may vary over time based on market conditions. ARMs can be a good option for people who just want to stay in their homes for a short while. They may also be attractive to individuals looking for a Massachusetts home loan with a low initial interest rate. If you’re interested in an ARM Massachusetts mortgage, please contact us. We’ll be happy to help you find the best loan for your needs!
  • Massachusetts No Money Down Loans – It is possible to acquire a house in Massachusetts with no down payment. No money down loan options include VA Mortgages and USDA loans. These sorts of loans are available to residents of Massachusetts, who can get them without putting down any money. To discover more about no-money-down mortgages, visit here.
  • Massachusetts No Tax Return Loans – For people who don’t have last year’s tax forms, Massachusetts Investor Cash Flow Mortgages (aka DSCR) do not need tax returns. They’re an excellent choice if you want to buy a home but don’t have the financial history most of the big lenders demand. To learn more about obtaining a loan in MA without tax returns, contact us now.

As you can see, there are a number of mortgage alternatives available to homeowners in Massachusetts. It might be intimidating, particularly if you’re dealing with multiple difficulties.

But that’s what we’re here for!

We want to help you find the best MA loan option possible.

Massachusetts Home Improvement Loans

We are proud to assist Massachusetts individuals in obtaining mortgages for house renovations, improvements, or construction. Improve your current house in Massachusetts or acquire a distressed property for renovation. Purchasing a “fixer-upper” that others avoid may be a fantastic way to save money on a better home. We will help you find the right construction loan for you. You may significantly increase the equity in your present property by renovating it.


Types of Home Improvement Loans in Massachusetts

There are various sorts of home renovation loans available to Massachusetts residents, and the best one for you will be determined by your specific demands and goals.

  • Massachusetts “Homestyle” Loans – If you live in Massachusetts and need a loan to finance home improvements, a conventional homestyle loan may be the best option. MA Homestyle Loans provide several benefits, including the ability to borrow more than other personal loans, no collateral needed, and lower interest rates.
  • Massachusetts FHA 203k Loans – An FHA Massachusetts 203K loan can be a wonderful way for first-time homeowners to rebuild or improve their home. You may be able to borrow more than the value of your property after it has been renovated using an FHA 203K Loan. This means you can utilize the equity in your house as well as any renovations and expenditures associated with it as collateral for your loan. Massachusetts homeowners can also use this program to refinance and take cash out of their home’s equity.
  • Massachusetts Construction Loans – A construction loan is a form of financial assistance that may be used to finance the construction or improvement of a home in Massachusetts. We can also help with rehab loans. When applying for a construction loan in Massachusetts, you must consider a number of factors. To learn more about building loans click here >>.
  • Massachusetts USDA home improvement loans – The USDA is looking to provide home improvement loans to people in Massachusetts who live in rural areas with low incomes. While the USDA’s official building loan standards are yet to be released, we will assist you in obtaining them when they are published. Please click here for additional information on USDA home renovation loans.

We want to help individuals like you in Massachusetts obtain a residential renovation loan. Get in touch with us right now to discover more about your alternatives.


Massachusetts Refinance Loans

Residents of Massachusetts can significantly improve their financial situation by refinancing an existing loan. By consolidating your debt in MA, you may enhance your house and save real money. There are several motives to refinance your home in Massachusetts, and numerous alternatives depending on your circumstances. To discover more about refinancing, click here.

Reasons to Refinance in Massachusetts

You could be looking to make improvements to your house, consolidate debt, or borrow money. You may be able to obtain a lower interest rate or opt for smaller monthly payments. Perhaps you’d like to switch from an adjustable-rate mortgage to a fixed-rate one. There are several reasons why Massachusetts homeowners wish to refinance their loans, including:

  • Improve your Massachusetts Home - If you live in Massachusetts and want to make enhancements to your property, refinancing your existing loan may be a smart option. In Massachusetts, homeowners can take out a “cash-out” refinance that allows them to borrow additional money from their mortgage to finance home improvements. To discover more about house renovation loans, go here.
  • Consolidate Debt in Massachusetts – If you have a lot of debt, Massachusetts debt consolidation may be the answer. You may combine all of your debts and obtain a lower interest rate by refinancing your existing loan. This can help you reduce interest expenses and make simpler monthly payments by eliminating many loans. Visit our dedicated pages to learn more about debt consolidation or credit counseling in MA.
  • Eliminate Private Mortgage Insurance in Massachusetts -You might be able to get rid of Private Mortgage Insurance (PMI) if you refinance your mortgage. In the event of a default on your loan, many MA lenders demand that you have Private Mortgage Insurance (PMI). This insurance protects the lender in the case that you do not repay your debt, but it does not assist you.

Types of Refinance Loans in Massachusetts

There are several Massachusetts refinance alternatives to select from, and the one that best suits your needs and goals will be determined by them. The following are some of the most popular types of MA refinance loans:

  • Massachusetts Cash-Out Refinance – A cash-out refinance is a type of refinancing in which you may borrow more money than the total amount you owe on your mortgage. Cash-out refinancing might be an excellent choice for individuals who need to consolidate debt or undertake home repairs. To qualify for a cash-out refinance in MA, you must have a good credit score
  • Massachusetts Conventional Loan Refinancing – A conventional mortgage refinance is available to homeowners in Massachusetts with a standard loan. This sort of refinancing allows you to borrow more money than you owe on your mortgage, which may be appealing for Massachusetts residents who need to combine debts or make improvements to their homes. Click here for additional information about conventional loans.
  • Massachusetts Refinance FHA loan - In Massachusetts, you can refinance an FHA loan into a conventional one. This may be a good choice if you want to save money on interest or get rid of Private Mortgage Insurance (PMI) in MA. In order to qualify for a conventional loan refinance in Massachusetts, you must fulfill certain requirements, such as having a decent credit score. For more information about FHA loans, click here.
  • Massachusetts Refinance VA Loan -The following are some of the veterans, reservists, and active military who may benefit from Massachusetts MA VA loan refinancing: Veterans and Reservists – Any veteran or reservist who meets certain requirements can qualify for a reconsideration. This sort of refinancing might help you save money on interest rates, reduce your debt load, or improve your home.
  • Massachusetts Refinance USDA Loan - If you reside in a rural Massachusetts community (a town with a lower population), you may be qualified for a USDA refinance. To qualify for a USDA refinance in Massachusetts, you must fulfill specific criteria. You can find out more about USDA loans and refinancing on this page.
  • Massachusetts Jumbo Loan Refinance -A jumbo loan refinance in Massachusetts is a form of refinancing option offered to borrowers with mortgages beyond the maximum for a typical loan. Jumbo loan refinancing allows you to borrow more money than you currently owe on your mortgage and can be an excellent alternative for individuals in Massachusetts who need to combine debts or make home improvements. To qualify for jumbo loan refinancing in Massachusetts, you must meet certain credit criteria. For more information about jumbo loans, click here.

The bottom line is that we want to assist you in refinancing your mortgage in Massachusetts. No matter why you’d like to pay off your present MA loan and get a new one, we’ll work with you to find the best answer. We want to help you obtain a mortgage in Massachusetts. If you need mortgage broker services or simply want to look at your options, don’t hesitate to contact us.


We are Here to Meet Your Mortgage Needs!

Fill out the form below or call us at (800) 822-7482 to learn more about how Right Trac Financial can help you get a loan. Thousands of people from all across Massachusetts have already placed their faith in the mortgage broker team at Right Trac Financial, and we look forward to assisting you as well!

Let us help you secure the financing you need – we are ready to help you find the best loan for you!

Read our satisfied customer testimonials >>

Learn more about Right Trac Financial >>

Right Trac Financial Group
110 Main Street
Manchester, CT 06042
Phone: (860) 647-7701

Right Trac Financial Group Trac Financial Group, Inc.
Mortgage Broker License Number: MB2709
Licensed in: Connecticut, Massachusetts, Florida, and New York

Equal Housing Lender