I like it here.

Go local. We used HUECU credit union and their service was great! We ended up getting an offer accepted on Easter night because we could get in contact with our loan officer to talk to the seller's realtor.

Also, side note, get your own realtor on your side. A good one will know their shit and be immensely helpful along the way and be the one negotiating with the sellers.

It took about 6-8 weeks for us. We did a partial house rebate.

If it is the whole-home, you will need an inspection after the insulation work is done. My inspection was done long enough after that the insulation compacted a little bit and the inspector made the team come back and put more in. Then I had trouble getting a modified sign off that the work was done, I tried for weeks, gave up and sent it in anyway.

6 weeks after doing the online rebate form, they claimed I didn't upload the heat pump whole-home verification form from the installer... when you submit the rebate it gives you a receipt and the verification form was listed on the receipt, so I know I sent it. After I sent it again, it was still 8 weeks after that before the check came.

Probably even longer: https://old.reddit.com/r/massachusetts/comments/11kdvnf/anyone_able_to_get_through_on_the_mass_save/

I had our family realtor walk me through everything. Honestly it was so helpful having someone hold my hand and introduce me to their preferred mortgage company etc, then home inspector, insurance agent, roofer, chimney guy… If you can get a referral from someone you trust it’s incredibly helpful and lessens the stress. In my case, this realtor also helped my mother and father find their new houses after they got divorced a couple years ago so we had a pretty nice relationship established even before I was ready to think about finding my own place.

I got a preapproval right away because I knew I was going to move fast. Also, renewing it was no big deal - just gave my banker a call and he emailed me a new one with the updated date and amount.

I went with Quicken Loans because it was easy. Also my Mom is an accountant at a relocation company and she said they were good and reliable. Worked for me…. Had Citibank for my previous mortgage because my employer banked with Citibank and that gave us a break on closing costs.

When you compare lenders, don’t just think about rates but also closing costs. I also pay extra principal every month to save on interest m. Even extra $100 per month makes a noticeable difference in the long run…

Wow you actually got a ticket. The police don’t pull anyone over that. I’ve seen people texting in front of and next to cruisers and nothing.

Local lenders will have a real person you will deal with and call if anything goes wrong. I suggest you take a first time homebuyers class. They are cheap and held regularly. They will go over what mortgage terminology means and the stages the process goes through. I would talk with a minimum of three different lenders and compare their offers.

My wife and I got pre-approved the day before we made an offer. You just need to have your paperwork in order proving your income and assets/cash.

Someone I know just bought his first condo going through a local bank. He said they're more likely to give you a loan than the larger banks because they're also in the community you're in, and make their decisions in-house.

Interesting, I would consider Westborough/Milford/Uxbridge area Central MA

There’s a western mass?

Berkshireites (Berkshires-ers?) regard that county as the "real" western Mass.

Enjoy Tewksbury State Hospital!

Hockomoc swamp in Bridgewater's, MA

Eastern mass is suburban hell

Anything west of Newton = Western MA

-Quincy resident 😂

Theres really not much MAGA western MA outside of Monson. Its not a generalization there are some nice looking hills in central but its mostly flat factory towns. Boston Im not a city guy but I get why people like access to all the stuff there. The rich nimbys would drive me insane.

As opposed to racist MAGA hillbillies in the west or the uptight Boston area nimbys in the east? Anyone can make shitty generalizations you see.

Definitely not lol. Like MAs own flyover land. Auto bodies and dunks far as the eye can see

Waltham is Central Mass

Reading that description of central MA gave me chills lol. No mans land from boston to springfield

What r u city folk doing in my new england!!

The Quaban is what I consider the center for eastern/western Massachusetts with the cape and islands separate.

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