Your Trusted Massachusetts Mortgage Broker – Helping You Secure the Perfect Home Loan

When it comes to buying a home, refinancing, or investing in real estate in Massachusetts and beyond, having a trusted mortgage broker by your side can make all the difference. The mortgage process can often feel overwhelming due to ever-changing interest rates, complex lending guidelines, and credit requirements that vary from lender to lender. Navigating this landscape alone can lead to missed opportunities or costly mistakes.

That’s where we come in.

At South Wind Financial, NMLS #MB9462, we pride ourselves on providing homebuyers, homeowners, and investors with personalized guidance, competitive loan options, and a seamless mortgage experience. Whether you’re purchasing your first condo in Boston, refinancing your property in Worcester, or investing in multifamily real estate in Springfield, we have the expertise and resources to assist you across the Commonwealth—and now in multiple states nationwide.

I’m Geovanne Colon, your dedicated mortgage loan officer (NMLS #1880655). With years of experience, deep local knowledge, and a client-first approach, I help make homeownership a reality—whether it’s your first home, a growing family’s forever home, or your next investment property.

Why Work with a Local Massachusetts Mortgage Broker?

Buying or refinancing a home is one of the most important financial decisions you will ever make. Working with a local mortgage broker means you get a partner who truly understands the unique dynamics of the Massachusetts housing market—from picturesque coastal towns like Newburyport and Cape Cod to the fast-paced urban markets of Cambridge, Somerville, and Boston’s South End.

1. Local Expertise

Every city and town in Massachusetts has distinct property values, tax rates, and lending trends. A local broker leverages this knowledge to recommend loan products that fit your specific circumstances, ensuring smoother underwriting and faster closings.

2. Personalized Loan Matching

Big banks often offer a limited set of loan programs that may not suit your unique needs. In contrast, we shop across multiple wholesale lenders to find a loan tailored for your goals—whether that means a low down payment option, an interest-only loan, or financing a jumbo property.

3. Access to More Loan Programs

Because we partner with an extensive network of lenders, we can offer a broad spectrum of loan options, including:

• FHA loans for buyers with lower credit scores or limited down payments

• VA loans for veterans and active military personnel

• USDA rural housing loans for eligible areas

• Conventional fixed and adjustable-rate mortgages

• MassHousing loans and down payment assistance programs unique to Massachusetts

• Renovation loans like FHA 203(k) and Fannie Mae HomeStyle

• Bank statement and self-employed borrower programs

• Non-QM, DSCR, and hard money loans for specialized needs

• Financing for investment properties, fix & flips, and new construction

This variety means more opportunities to secure the financing that fits your situation perfectly.

First-Time Homebuyers in Massachusetts – Start Here

Buying your first home is an exciting milestone but can also be intimidating. Many first-time buyers are unfamiliar with mortgage jargon, closing costs, and down payment options. With a trusted mortgage expert by your side, the process becomes manageable and even enjoyable.

We work closely with first-time buyers to:

• Provide fast pre-approval so you can shop confidently

• Break down mortgage terms and costs in plain English

• Estimate your monthly payments including taxes, insurance, and private mortgage insurance (PMI)

• Review available down payment assistance and grant programs, especially through MassHousing

• Connect you with trusted local real estate agents and real estate attorneys

Pro Tip: Cities like Boston, Springfield, and Lowell often offer down payment assistance programs to help first-time buyers overcome the upfront cost barrier. We’ll help you explore these options so you can get the keys to your new home sooner.

Refinancing in Massachusetts

Whether your goal is to lower your interest rate, access equity, or shorten your loan term, refinancing is a powerful financial tool. We guide you through this process efficiently and cost-effectively.

Common reasons to refinance include:

• Reducing your interest rate to save money over the life of your loan

• Removing private mortgage insurance by switching from FHA to conventional financing

• Accessing home equity for renovations, debt consolidation, or other expenses

• Switching from a 30-year mortgage to a 15-year mortgage to build equity faster

• Locking in a fixed rate before an adjustable-rate mortgage adjusts

Thanks to our access to wholesale pricing, we often secure better rates than those available through retail banks.

Real Estate Investors – We Know Multifamily Lending

Massachusetts is home to some of New England’s strongest investment markets. Whether you’re purchasing a duplex in Dorchester or a six-unit building in Worcester, we offer tailored financing solutions for investors, including:

• Conventional and FHA loans that cover 2-4 unit properties

• DSCR (Debt Service Coverage Ratio) loans that don’t require traditional income documentation

• Fix & Flip bridge loans with quick turnaround

• Rehab and construction financing for renovation projects

• Hard money loans for short-term investment deals

• Cash-out refinancing options to fund additional acquisitions

Our expertise in investment lending helps you build and manage your real estate portfolio with confidence.

Self-Employed? We’ve Got You Covered

Traditional loan underwriting often requires years of tax returns and strict income verification, which can exclude self-employed professionals, freelancers, and gig workers. We offer specialized loan programs designed for entrepreneurs, including bank statement loans and non-QM products.

Benefits of these programs include:

• No tax returns required, instead qualifying based on bank deposits

• Qualification using 12–24 months of business and personal bank statements

• Higher loan limits and more flexible terms

• Suitable for primary residences, second homes, and rental properties

This flexibility opens doors for many business owners who might otherwise struggle to qualify.

Credit Challenges? You Still Have Options

Life happens, and credit issues can arise from unexpected circumstances. We’ve helped many borrowers with imperfect credit get into homes through:

• FHA loans that accept credit scores as low as 580

• Manual underwriting programs that evaluate your overall financial picture

• Down payment assistance options to ease upfront costs

• Rapid credit rescoring and coaching to improve your financial profile

Our goal is to provide you with a clear path to homeownership, no matter your credit history.

Renovation & Construction Loans

Massachusetts is rich with potential, from historic homes ready for a facelift to vacant lots awaiting new construction. We provide financing solutions including:

• FHA 203(k) and Fannie Mae HomeStyle renovation loans for repairs and upgrades

• New construction loans and lot financing

• Fix & Flip loans to fund short-term rehab projects

• Build-to-suit loans for customized primary or secondary residences

We help you finance your vision and bring your real estate projects to life.

Transparent Process from Start to Finish

We believe honesty, responsiveness, and clear communication are key to a smooth mortgage experience.

Here’s how we work:

1. Free Consultation – Understand your goals and budget

2. Pre-Approval – Obtain a strong pre-approval letter quickly

3. Loan Shopping – Compare competitive rates from top lenders

4. Processing – Manage document collection and timelines

5. Underwriting & Appraisal – Oversee review and verification

6. Clear to Close – Prepare you for closing day with confidence

Most transactions close within 21–30 days. We also accommodate rush closings when needed.

Licensed in Multiple States to Serve You Better

We’re proud to serve clients not only across Massachusetts but also in:

• New Hampshire

• Connecticut

• Rhode Island

• Florida

• Texas

Our West Coast division at South Wind Financial supports clients in select western states, providing coast-to-coast service for relocations, vacation homes, and investment properties nationwide.

Why Clients Choose South Wind Financial

• Decades of combined mortgage experience

• Fast, competitive pre-approvals

• Access to dozens of lender options

• Specialists in first-time homebuyer programs

• Investor-friendly loan products

• Transparent, no-pressure guidance

• Trusted by top real estate agents and attorneys

Let’s Get You Pre-Approved Today

Wherever you’re buying—in Massachusetts, New Hampshire, Connecticut, Rhode Island, Florida, Texas, or beyond—we’re here to help.

You don’t have to figure it out alone. Let us make your next home purchase or refinance stress-free, strategic, and successful.

Call or Text: 617-821-1757
Email: [email protected]
Learn More: South Wind Financial
Company NMLS: #MB9462
Geovanne Colon NMLS: #1880655

Frequently Asked Questions

Q: What credit score do I need to qualify for an FHA loan in Massachusetts?
A: FHA loans typically require a minimum score of 580, though some lenders accept lower scores with larger down payments. We’ll review your unique situation to find the best path forward.

Q: Can I qualify for a mortgage if I’m self-employed?
A: Absolutely. Our bank statement and non-QM loan programs are designed specifically for self-employed borrowers.

Q: How quickly can I close on a home?
A: Most closings happen within 21–30 days. Faster closings may be possible depending on your documentation and appraisal.

Success Spotlight

“A couple in Dorchester came to us after being denied by a big bank due to their self-employment income. Using their 12-month business bank statements, we secured a competitive rate and closed on their 2-family home in just over three weeks. It’s proof that with the right broker, homeownership is always within reach.”