Simply the lowest rates.  Call Pat today...(978)996-5372 for Massachusetts NMLS #19012  MB303191

Friday, May 29, 2020
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We know that each Massachusetts customer has specific needs and we strive to meet those specific needs with quality service and individual attention. We pride ourselves in giving you the mortgage information, loan options and convenient assistance you're looking for. We work with several banks so you are not limited to one size fits all lending. With one peek at your credit file we can access many lenders without your credit score being lowered by repeated pulls.

With a variety of loan programs (FHA, VA, Jumbo, Reverse and Conventional) and an established network of lenders behind us, we will find the loan that best suits your needs, at a very competitive rate. We strive to beat or, at the least meet any mortgage quotes you have received.

Let us guide you through the home buying or refinancing process in NH and MA, and provide you with the best service available. We work till 9 PM most days and we work on weekends too!

We know that each Massachusetts customer has specific needs and we strive to meet those specific needs with quality service and individual attention. We pride ourselves in giving you the mortgage information, loan options and convenient assistance you're looking for. We work with several banks so you are not limited to one size fits all lending. With one peek at your credit file we can access many lenders without your credit score being lowered by repeated pulls.

With a variety of loan programs (FHA, VA, Jumbo, Reverse and Conventional) and an established network of lenders behind us, we will find the loan that best suits your needs, at a very competitive rate. We strive to beat or, at the least meet any mortgage quotes you have received.

Let us guide you through the home buying or refinancing process in NH and MA, and provide you with the best service available. We work till 9 PM most days and we work on weekends too!

 

Refinancing Made Easy

Need to refinance your current mortgage to lower your payment or interest rate?  Want a 15 yr or a reverse mortgage? Need cash for bill paying? We have the tools to get you started:

Need to refinance your current mortgage to lower your payment or interest rate?  Want a 15 yr or a reverse mortgage? Need cash for bill paying? We have the tools to get you started:

 

What you need to know about credit

In today's market climate, having a good credit record is very important.  We have the information to help you improve your credit:

In today's market climate, having a good credit record is very important.  We have the information to help you improve your credit:

 

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Market Commentary (small version)

Updated on May 29, 2020 10:23:13 AM EDT

Aprils Personal Income and Outlays data kicked off today’s activities at 8:30 AM ET. The Commerce Department announced a 10.5% jump in income and a 13.6% decline in spending. The income reading was considerably higher than expected, but that figure is believed to be skewed by the many lower paid workers that are currently out of work. A large decline in spending does not come as a surprise due to the pandemic and tens of millions of jobs lost during it. However, it is the largest monthly decline on record. Since consumer spending makes up over two-thirds of the U.S. economy and the drop was slightly bigger than forecasts, we can consider the news favorable for mortgage rates.
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Need quick information? Call (978)996-5372 PT Mortgage Inc NMLS MB303191 Pat Tovey NMLS#19012