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Directory of mortgage lenders in Ludlow, Massachusetts. Verify credentials with the state mortgage licensing authority before hiring.
6 agents listed
Updated May 2026
Ludlow, MA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Massachusetts before hiring.
Showing 6 mortgage lenders in Ludlow, MA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Fairway Independent Mortgage Corporation-Ludlow, MA Branch
733 Chapin St Suite 104, Ludlow, MA 01056
4132109795
Ben Cartagena
33 Center St, Ludlow, MA 01056
4132500827
Michele Morris
33 Center St, Ludlow, MA 01056
4136957319
Brian Grout - Citizens, Home Mortgage
33 Center St, Ludlow, MA 01056
4135307755
Gary Teixeira - Mortgage Loan Officer
549 Center St, Ludlow, MA 01056
4134785420
Ludlow Branch
314 Center St, Ludlow, MA 01056
4137471326
Mortgage lenders in Ludlow Massachusetts help homebuyers and homeowners secure financing for property purchases and refinancing. Massachusetts law requires lenders to provide a Good Faith Estimate of closing costs within three business days of a loan application. Local lenders understand the Hampden County real estate market and can guide you through state-specific programs like MassHousing loans.
What Does a Mortgage Lender in Ludlow Cost?
Typical mortgage lender costs in Massachusetts include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title search fees of $200 to $400. Closing costs generally range from 2% to 5% of the purchase price. These figures vary based on loan type, property value, and lender policies. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Ludlow?
You typically need pay stubs, tax returns, bank statements, and identification. Massachusetts lenders also require a signed purchase and sale agreement and proof of homeowners insurance.
How long does the mortgage process take in Massachusetts?
The process usually takes 30 to 45 days from application to closing. Massachusetts law mandates a three-day right of rescission for refinances, which can extend the timeline.
Are there first-time homebuyer programs in Ludlow?
Yes, Massachusetts offers the MassHousing program with low down payment options and competitive rates. Ludlow residents may also qualify for local down payment assistance grants through the state.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Massachusetts.