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

Saturday, October 31, 2020

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:


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:


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Market Commentary (small version)

Updated on October 30, 2020 10:12:15 AM EDT

The first of this morning’s three economic releases was Septembers Personal Income and Outlays report at 8:30 AM ET. It showed that income rose 0.9% while spending increased 1.4%. Both readings exceeded expectations of 0.3% and 1.0% respectively, indicating consumers had more money to spend than thought and did spend it. Because those increases are a sign of stronger economic activity, they are bad news for bonds and mortgage rates. However, a key inflation reading that the Fed relies on during their FOMC meetings matched forecasts. It is that reading that may be helping to boost bonds during early trading.


Need quick information? Call (978)996-5372 PT Mortgage Inc NMLS MB303191 Pat Tovey NMLS#19012