Compare Mortgage Lenders in Waltham, MA
Looking for a mortgage lender in Waltham? Review the directory below to compare your options.
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
State Mortgage Licensing Authority of Massachusetts before hiring.
Showing 20 mortgage lenders in Waltham, 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.
Waltham home buyers and refinancers work with mortgage lenders to secure financing for residential properties. Massachusetts law requires lenders to provide a Good Faith Estimate of closing costs within three days of application. Local lenders in Waltham understand the Middlesex County real estate market and can guide you through state-specific requirements like the Massachusetts deed recording fee.
What Does a Mortgage Lender in Waltham Cost?
Typical mortgage lender costs in Massachusetts include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees of 400 to 700 dollars, and title insurance premiums of 500 to 1,500 dollars. Closing costs in Middlesex County often total 2 to 5 percent of the purchase price. Massachusetts also charges a deed recording fee of about 100 dollars and a state transfer tax of 2.28 dollars per 500 dollars of property value. 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 Waltham?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and photo ID. Massachusetts lenders also require proof of Massachusetts homeowners insurance before closing.
How long does a mortgage closing take in Massachusetts?
The average mortgage closing in Massachusetts takes 30 to 45 days from application to funding. State law requires a three day right of rescission for refinances on primary residences.
Are there special mortgage programs for first time buyers in Massachusetts?
Yes, Massachusetts offers the MassHousing program with low down payment options and competitive rates for first time buyers. Waltham residents may also qualify for local down payment assistance through the city or state agencies.