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Looking for a mortgage lender in Stoneham? Review the directory below to compare your options.
5 agents listed
Updated May 2026
Stoneham, 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 5 mortgage lenders in Stoneham, 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.
Members Mortgage Company
90 Maple St, Stoneham, MA 02180
8003169790
Gina Nelson Guaranteed Rate Affinity
359 Main St, Stoneham, MA 02180
9789739775
Today's Home Mortgage
92 Montvale Ave # 4160, Stoneham, MA 02180
7814380720
Total Mortgage Stoneham NMLS #2473015
2 Main St, Stoneham, MA 02180
9782694387
Marc Ehrgott Total Mortgage NMLS# 40214
2 Main St #325, Stoneham, MA 02180
9782694387
Mortgage lenders in Stoneham Massachusetts help homebuyers and homeowners secure financing for property purchases and refinancing. Massachusetts law requires lenders to be licensed by the Division of Banks and follow state-specific regulations such as the Massachusetts Predatory Home Loan Practices Act. Local lenders understand the Stoneham real estate market and can guide you through conventional FHA VA and MassHousing loan options.
What Does a Mortgage Lender in Stoneham Cost?
Typical costs for a mortgage lender in Massachusetts include an origination fee of 0.5 to 1 percent of the loan amount. Appraisal fees range from 500 to 700 dollars. Title search and insurance cost 800 to 1500 dollars. Third-party fees for credit reports flood certification and recording add 50 to 300 dollars. Massachusetts also charges a mortgage recording tax of 2.28 dollars per 1000 dollars of the loan amount. These costs vary by lender loan type and property. 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 Stoneham?
You typically need pay stubs W-2 forms tax returns bank statements and photo ID. Massachusetts lenders also require a signed intent to occupy form for owner-occupied properties. Self-employed borrowers may need additional profit and loss statements.
Are there special mortgage programs for first-time homebuyers in Massachusetts?
Yes Massachusetts offers the MassHousing program which provides low down payment options and competitive rates for first-time buyers. The ONE Mortgage Program through the Massachusetts Housing Partnership also offers reduced mortgage insurance. These programs have income and purchase price limits that apply in Stoneham.
How long does it take to close on a mortgage in Massachusetts?
The typical mortgage process in Massachusetts takes 30 to 45 days from application to closing. Massachusetts law requires a three-day rescission period for refinances but not for purchase loans. Delays can occur if appraisal or title work takes longer than expected.
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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.