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 was amazing throughout my homebuying process. She guided me every step of the way, answered all my questions, and made everything easy to understand. She was always responsive and helpful. I especially appreciate their hard work in helping me secure down payment assistance and grants, which made a huge difference. Thank you both for making the process smooth and much less stressful. I highly recommend Maria to anyone looking to buy a home!"
"Maria Luker was absolutely wonderful to work with during our first home purchase. From the beginning to the end of the mortgage process, she was extremely helpful, patient, knowledgeable, and supportive. As first-time homebuyers, we had many questions and concerns, but Maria guided us through every step with kindness and professionalism. What made Maria truly special was not only her mortgage expertise, but also her sincere and caring approach. She helped us understand our options clearly, stay within our budget, and avoid making decisions that could create financial difficult for our family. Thanks to her support, we were able to purchase a beautiful home in the city we wanted and within our budget. We are deeply grateful for everything she did for us. Maria is not only excellent at her job, but she is also a genuinely kind and trustworthy person. We highly recommend her to anyone looking for mortgage assistance, especially first-time homebuyers."
"I am incredibly grateful for Maria Luker and the support she provided throughout my home-buying journey. Before working with her, I had gone through two other lenders and was feeling discouraged by the process. The saying “third time’s a charm” truly applies here. Maria was always honest and realistic with me. She never sugarcoated things, but she also never let me lose hope. During some of the most stressful and discouraging moments, she took the time to encourage me, answer my questions, and reminded me not to give up. Purchasing my first home has been one of the most challenging experiences of my life, and I cannot imagine going through it without her guidance and support. I know she helps many families, but she always made me feel like I mattered. Her professionalism, knowledge, patience, and compassion made all the difference. I truly believe Maria was a blessing sent by God during a very difficult season of my life, and I will always be thankful for the role she played in helping me become a homeowner."
"I loved and appreciated all the help and support!"
"Working with Maria Luker as my mortgage loan agent was a smooth and reassuring experience from start to finish. She was knowledgeable, patient, and available to answer my questions no matter how small. She kept everything on track and worked hard to secure the best possible terms for my loan. Thanks to her expertise, guidance, and dedication , I was able to move forward with confidence and successfully purchase my home. I truly appreciate her support and would highly recommend her to anyone going through the home -buying process to work with her. I can't thank her enough for everything!"
Everything was excellent from beginning to end. Thank you, Maria Luker for all your hard work!
"Working with Maria Luker as my mortgage loan agent was a smooth and reassuring experience from start to finish. She was knowledgeable, patient, and available to answer my questions no matter how small. She kept everything on track and worked hard to secure the best possible terms for my loan. Thanks to her expertise, guidance, and dedication , I was able to move forward with confidence and successfully purchase my home. I truly appreciate her support and would highly recommend her to anyone going through the home -buying process to work with her. I can't thank her enough for everything!"
"Maria Luker was an absolute pleasure to work with. As first-time homebuyers and having no clue what we were getting into, she helped ease all concerns and made us feel informed and confident about our decisions. Incredible patience and communication throughout the process."
"Muy buen servicio al cliente, muy buenos intereses muy responsables y atentos los prestamistas. Muchas gracias."
“Very good customer service, very good interest rates—very responsible and attentive lenders. Thank you very much.”
"Maria Luker was wonderful! As first-time homebuyers, she explained and guided us through everything seamlessly. We appreciated Maria’s honesty and suggestions throughout the process. We truly feel lucky to have worked with her."
"Maria was exceptional! She was professional, communicative, trustworthy, and knowledgeable, contacting me on weekends to allay any concerns I had and answer any questions. I have been and will continue recommending to her to everyone!"
"Maria Luker is phenomenal! I’ve been working with her for a few years and plan to work with her for many more."
"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."