Hometown Mortgage Affordable
- Competitive Fixed and ARM rates, as little as 3% down payment
- Available for First Time Homebuyers with income limits up to 100% of Area Median Income
- Can be paired with Grant funds or other down payment assistance programs
MassHousing
- Fully delegated underwriting of Mass Housing products
- Low mortgage insurance rates – Mass Housing’s MI Plus product includes Job Loss Protection Insurance that will cover a borrower’s principal and interest payment for 6 months (up to $2,000 per month) if they become unemployed
- Down payment assistance available
- Purchase and refinance
Massachusetts Housing Partnership
- Discounted fixed interest rates
- No Private Mortgage Insurance required from borrower
- Down Payment Assistance available
MassHousing programs can help get you home.
Maria can help potential borrowers like you unlock the right home financing solution for your unique needs. Explore additional options with MassHousing.
Unlock more as a first-time homebuyer with MassHousing loans.
Down Payment Assistance
Saving for a down payment is one of the biggest obstacles for first-time homebuyers. MassHousing offers down payment assistance that can be used in every town and city in Massachusetts, and can often be combined with other community down payment loans.
To be eligible for Down Payment Assistance from MassHousing, you must:
- Be an income-eligible first-time homebuyer
- Purchase a single-family home, condominium, or 2-, 3- or 4-family property that will be your primary residence
- Pair Down Payment Assistance with an affordable MassHousing Mortgage loan to purchase your home
Additional eligibility requirements apply. See if a MassHousing Mortgage with Down Payment Assistance may be right for you.
Peace of Mind with MI Plus
Receive mortgage assistance if you lose your job through MassHousing mortgage insurance with MI Plus. MI Plus covers principal and interest payments for up to 6 months, up to $4,000/month. MI Plus is offered at no additional cost on loans insured by MassHousing.
Affordable, Predictable Mortgage Loans
With MassHousing mortgage loans, you’ll experience low, fixed interest rates, plus np hidden fees or surprises.
Step into the home of your dreams!
More than 90,000 people have partnered with MassHousing to buy their dream home in Massachusetts.
Step 1
Educate yourself and set your homebuying budget.
Contact a Hometown Mortgage lender to learn about upcoming homebuyer seminars, or see available classes on MassHousing.com.
Learn MoreStep 2
Explore Down Payment Assistance and the benefits of a MassHousing Mortgage.
Learn about different loan programs available to first-time homebuyers. Some programs can save you money both up front and over the long term.
Step 3
Build your team.
Your homebuying team should include a real estate agent, attorney, home inspector, and MassHousing.
Step 4
Contact Maria and unlock your home.
Maria Luker is recognized as a platinum level lender by MassHousing with more than 50 loans originated.
Learn More
Your homeownership journey starts here.
MARIA LUKER
Regional Director, Mortgage Originations
mluker@hfgmortgage.com
NMLS#: 29352
781.316.4487
Client Testimonials
See what recent clients had to say about Maria.
"Maria Luker does an exceptional job and is a great asset to Hometown Mortgage! We wouldn't work with anyone else! Super easy process."
"Maria Luker was great at explaining everything well to a first-time home buyer."
"It was stress free and very pleasant to work with Maria Luker!"
"Maria Luker was absolutely amazing to work with. She is very professional and knowledgeable. Loved working with her."
"My experience with Maria Luker has been amazing! Maria was extremely responsive and always willing to answer questions, which was especially comforting as a first-time homebuyer."
"Despite my lack of experience, Maria provided outstanding support that filled me with confidence from start to finish. Her genuine approach, clear guidance, and exceptional professionalism truly stood out."
"Maria Luker was very helpful to me during the whole process! I really appreciate her help during my search for a loan."
"Maria Luker knows what she is doing. On a scale of 1-10, she is a 100. Anytime a challenge came up, she knew how act. Thank you so much for all your hard work and dedication, I do appreciate you."
"Maria Luker is amazing! She made herself available for late night talks when I was anxious about the process and helped address my questions and concerns. She explained everything and walked me through the process. She was honest, patient, and understanding."
"Maria Luker was always available and provided great insight into the loan process. She was warm, receptive, and always made sure things were done efficiently and effectively. This process was seamless for us, and I could not recommend her more."