CENTURY 21 North East · 473 Broadway, Chelsea, MA 02150 · Se habla español (617) 982-0194 EN ES
LT Luis TejadaGreater Boston Real Estate Broker
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Real estate in Greater Boston, explained.

Free, up-to-date guides for every kind of buyer, seller, investor and renter in Massachusetts, with the laws, programs and real costs, checked against official sources.

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Mortgages & money

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Mortgages & money

First-Time Homebuyer Programs in Massachusetts (2026)

Massachusetts first-time buyer help for 2026: MassHousing down payment assistance, ONE Mortgage, FHA, 3% down loans and city programs near Boston.

8 min read · Updated November 2026
Mortgages & money

How Much House Can You Afford in Massachusetts? (2026)

How much house can you afford in Massachusetts in 2026? DTI rules, real monthly costs like taxes, insurance, PMI and condo fees, and our calculator.

7 min read · Updated November 2026
Mortgages & money

Mortgage Options Explained: Conventional, FHA, VA, Jumbo and More (2026)

Conventional, FHA, VA, USDA and jumbo loans explained, plus fixed vs. adjustable rates, PMI vs. MIP and 2026 loan limits for Greater Boston counties.

8 min read · Updated November 2026
Mortgages & money

Credit Scores and Mortgage Pre-Approval: What Buyers Need to Know (2026)

How credit scores affect your mortgage, pre-qualification vs. pre-approval, documents lenders ask for, and how to protect your credit until closing.

7 min read · Updated November 2026
Mortgages & money

Buyer Closing Costs in Massachusetts: What You Pay and How to Save

What Massachusetts buyers pay at closing: lender and attorney fees, title insurance, recording fees, escrow, seller credits, and ways to save.

8 min read · Updated November 2026
Mortgages & money

Buying a Home with an ITIN, Self-Employment or 1099 Income

Self-employed, paid on 1099s or filing with an ITIN? Learn the loan options, documents that help, down payments and how to avoid scams in Massachusetts.

6 min read · Updated November 2026
Mortgages & money

Buying a Home in Massachusetts as a Veteran or Service Member

VA loans in Massachusetts: no down payment, 2026 funding fees, entitlement, VA appraisals and condo approval, plus MA veteran property tax exemptions.

6 min read · Updated November 2026
Mortgages & money

Seller Closing Costs in Massachusetts (2026)

What Massachusetts home sellers pay at closing in 2026: deed excise tax, commission, attorney, payoff, smoke certificate, Title 5 and more.

7 min read · Updated November 2026
Mortgages & money

Capital Gains Tax When You Sell a Home in Massachusetts (2026)

How the $250,000/$500,000 home sale exclusion works, how to figure your gain, and how Massachusetts taxes home and rental property sales in 2026.

8 min read · Updated November 2026

Selling a home

8
Selling a home

How to Sell a Home in Massachusetts: Step by Step (2026)

A clear 2026 roadmap for selling a Massachusetts home, from choosing an agent and pricing to the smoke certificate, Title 5 and closing day.

7 min read · Updated November 2026
Selling a home

How to Price Your Home to Sell in Massachusetts

Why a local market analysis beats online estimates, how to pick a list price, and how to avoid price cuts and low appraisals in Massachusetts.

7 min read · Updated November 2026
Selling a home

Preparing Your Home to Sell: Repairs, Staging and Disclosures

Get your Massachusetts home ready to sell: repairs worth making, cleaning, staging, photos, curb appeal and the disclosures sellers need to know.

7 min read · Updated November 2026
Selling a home

Selling an Inherited Home or a Home in Probate in Massachusetts

How to sell an inherited or probate home in Massachusetts: personal representative, license to sell, estate tax lien, step-up in basis and heirs.

8 min read · Updated November 2026
Selling a home

Selling a Home During Divorce in Massachusetts

Selling, buying out or keeping the house in a Massachusetts divorce: who decides, the automatic restraining order, refinancing and taxes.

7 min read · Updated November 2026
Selling a home

Downsizing in Massachusetts: A Guide for Sellers 55 and Older

Downsizing after 55 in Massachusetts: timing, condos and 55+ communities, the senior Circuit Breaker credit, reverse mortgage basics and decluttering.

8 min read · Updated November 2026
Selling a home

Selling a Multi-Family With Tenants in Massachusetts

Selling a tenant-occupied multi-family in Massachusetts: leases vs. tenants at will, showings, security deposit transfers, rent rolls and condo rules.

8 min read · Updated November 2026
Selling a home

Real Estate Commissions and Agent Fees in Massachusetts After the NAR Settlement

How agent fees work in Massachusetts after the 2024 NAR settlement: negotiable commissions, buyer agreements, seller concessions and agency rules.

7 min read · Updated November 2026
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