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Single Family Home with No Money Down

Whether it be the quintessential white picket fence or the contemporary home with water views, one thing that  likely stands in the way of your dream, is saving for that ever-growing down payment. With the steady increase of single family home prices, the down payment amount rises with every year you wait. We have seen too many people caught in the cycle of paying the high rents in Boston unable to save enough for the initial down payment. Let us help you, and get you into home ownership this year!

Here is an overview of the process;

  1.  Contact a Melcher Real Estate Group(MREG) Agent.
  2.  Attend a meeting with our lender to become pre-approved for the program with a price range.
  3.  Work with your MREG agent to locate a home that fits you and the program.
  4.  Make an offer with your MREG agent.
  5.  Get the financing and close the deal!

Typically, we find the biggest hurdle stopping people from taking the leap from renting to homeownership is the down payment that banks and mortgage companies need to lend buyers the money to make their dreams come true.  After careful research we have found a program in which you will not need any money for a down payment nor have a perfect credit score!

There are two options available, here are the basics:

FORGIVABLE DOWN PAYMENT – a down payment assistance loan that is forgivable after 3 years of on-time payments.

Or

REPAYABLE DOWN PAYMENT – a loan repaid at 0% interest over a 10-year period or at a competitive market rate over a 30-year period
 

There are no first time home buyers restrictions nor geographic location restrictions. A credit score of 620 is needed and you are off and running to buying your new home!  Call us to set up your meeting today. It is free and there is no obligation.

6 Mayflower Road Quincy MA 02171
Open House

MLS Number 72554015

  • Single Family
  • Next Open House: Sun 25th 11:30 am - 1:30 pm
  • Parking Spaces 1
  • Year Built 1920
  • Full Bath 2

SQUANTUM Welcome to" The Peninsula" This 2+ bedroom 2 full bath home's a block to the elem school and beach, Updated and ready for you to start making your own memories. 6 year new top of the line Navian 3 zone Gas heat/tankless hot water system. Newer plumbing and gas line. Kitchen remodeled in 2014 has stainless appliances, granite counters, gas cooking, tile and stone back splash. Quartz Island added 2019 The floor plan is open and flows nicely. There's also a heated, good size mud room/toy room on this main level. The lower level was finished 6 years ago (could be 3rd bedroom or family room) a Full bath was also added with a large closet. The French doors add plenty of light. There's a Separate Storage Utility room. Come around back to a private, fenced yard, landscaped with gardens, stone work, and storage shed. Wait till you see the large newer deck with custom pergola and a beautiful wood bar Great for entertaining. Windows & Roof 10-12 yrs. old.

Listed by Patty Sullivan and Barbara Watkins, Success! Real Estate

$
$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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34 Devens Street Everett MA 02149

Price$399,000

Est. Mortgage: $/month

Open House

MLS Number 72547435

  • Single Family
  • Next Open House: Sun 25th 1:00 pm - 2:30 pm
  • Parking Spaces 1
  • Year Built 1910
  • Full Bath 1

Cozy two 2 bedrooms, great for first time home buyers or people looking to downsize. Located in Everett in close proximity to Encore Casino, 5 minute drive. The property features 5 rooms, 2 good size bedrooms, 1 full bath and open kitchen/dining area and nice living room. One minute walk to restaurants, shops, banks and bus stop in Everett Square, 5 minutes drive to Wellington Station, Everett Center and Gateway Shopping Center. The furnace, exterior vinyl siding, and electrical were updated in 2006. Enjoy Beacon Hill style yard and one car off street parking. Municipal parking is steps away and you can park overnight with residential parking permit. Motivated seller.

Listed by Mistral Thompson, Top Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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27 Lakeside Avenue Quincy MA 02169
Open House

MLS Number 72538261

  • Single Family
  • Next Open House: Sun 25th 11:00 am - 12:30 pm
  • Parking Spaces 4
  • Year Built 1973
  • Full Bath 2

Are you looking for your own private expansive lot, you got it! Are you looking for an open and entertaining floor plan you got it! Are you looking for a walk in private space for your guests with their own bathroom, you got it! This 5 bedroom, 2 full bath gorgeous home sits at the end of a very private road and is just minutes to Perry Beach! What was once a cottage area is know turning into a street of larger and updated homes. What an opportunity to get in before they are all established. IF YOU DONT FANCY A POOL, REMOVE IT AND PUT A DETACHED GARAGE WITH ACCESS FROM WINTHROP STREET AND A LOVELY WALKWAY DIRECTLY TO YOUR HOME. PLEASE SEE GOOGLE MAPS FOR A FULL VIEW OF THE LAND. BACK FENCE OPENS UP TO THE POOL AREA WHICH CAN BE THE AREA FOR POTENTIAL DETACHED GARAGE

Listed by Cain Realty Group, Eileen Cain and Dominic Lachance, William Raveis R. E. & Home Services

$
$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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16 Grandview Street Boston MA 02131
Open House

MLS Number 72554458

  • Single Family
  • Next Open House: Sun 25th 11:00 am - 1:00 pm
  • Garage 1
  • Parking Spaces 1
  • Village Roslindale

Fully renovated cape located on dead end street in Roslindale. One car basement garage, great back yard, huge deck, C/A, quartz tops, hardwood flooring, fireplace, crown moldings.

Listed by Roman Deych, Your Choice Realty Group, LLC

$
$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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109 Faywood Avenue Boston MA 02128

MLS Number 72452213

  • Single Family
  • Year Built 1952
  • Full Bath 2
  • Bathroom 2
  • Rooms 9

Buyer could not obtain financing!Beautiful single family with enough room for the entire family! The custom kitchen is perfect for family gatherings.The renovated kitchen cabinets offers plenty of storage space along with granite counters & new 2018 slate appliances.. Off the kitchen you have a wonderful dining room with hardwood floors,plenty of light & sliders to the deck. First floor full bathroom is gorgeous. There are hardwood floors in the bedrooms ,into the hallway & in the fireplaced living room. The living room offers plenty of light from the new, bay windows. The renovated basement has an open space to hold a kitchen table, refrigerator, wine chiller all with plenty of storage. There is another renovated full bath . There is large family room/playroom with a bonus room you can use as an office or additional living space. All with a private,walk out basement entrance. The well maintained home has new windows,newer heating & superstore water tank,new roof 2017 & windows 2018.

Listed by Tina Crowley, RE/MAX Trinity

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$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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139 Emery Road Marshfield MA 02050
Open House

MLS Number 72546477

  • Single Family
  • Next Open House: Sun 25th 1:00 pm - 3:00 pm
  • Garage 2
  • Parking Spaces 4
  • Village Holly Hill

GREAT PRICE BREAK! Just imagine your family living atop coveted Holly Hill w/ a constant view of the deep blue Atlantic. And NO flood insurance! This lovely property offers all that & the option of one story living.You will love the entertainment sized LR w/ stone gas fireplace & updated picture window framing ocean view. Cook's kitchen - plenty of cabinets & dual fuel 5 burner stove.Lovely Dining area w, view.Energy efficient Refrigerator & Washer & Dryer included in sale.Two good sized bedrooms & nicely finished office & updated bath complete the first floor. Lwr. level offers BR, full bath & FR w/ built in bar & fireplace.Studio area w/ butcher block bench & oak cabinets.Laundry.Great outdoor space. 3 season rm w/ ocean breezes, comp.deck & stone patio.So many beautiful plantings.Fenced backyard. Generator equipped, Newly painted exterior. New siding on front. Newer roof, gutters, water heater.Two car garage.Title V in hand. Eames Way School district. Welcome to Holly Hill.

Listed by Eileen Biagini, Preferred Properties Realty, LLC

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$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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108 Webster Avenue Marshfield MA 02050

Price$409,900

Est. Mortgage: $/month

Open House

MLS Number 72553415

  • Single Family
  • Next Open House: Sun 25th 12:00 pm - 2:00 pm
  • Parking Spaces 5
  • Year Built 1954
  • Full Bath 2

Just blocks from the beach and no flood insurance! There is nothing to do in this charming, well maintained ranch offering an open floor plan with hardwood flooring throughout with the exception of the tiled baths. The eat in kitchen is well appointed with stone countertops, tile backsplash, and all new appliances. Both bathrooms have been charmingly renovated. There is a bonus room or third bedroom with a walk in closet. This home boasts a really cool semi cathedral/vaulted beamed ceiling, an inviting farmer's porch, a new high efficiency HVAC unit, plantation blinds, and a private fenced in yard. Five off street parking spots complete this must see home. This one won't last long.

Listed by Elaine Lefever, Success! Real Estate

$
$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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73 Standish Street Marshfield MA 02050
Open House

MLS Number 72471892

  • Single Family
  • Next Open House: Sun 25th 11:00 am - 1:00 pm
  • Parking Spaces 4
  • Village Rexhame
  • Year Built 1952

This beautifully maintained home in Rexhame is only a short stroll to the beach BUT NOT in a flood zone. It has a new GAS furnace and water heater in its spacious attic w/ductwork for your future central air. If that isn't enough, it also has Town Water/Sewer, newer windows, hardwood floors, large shed, outdoor shower, beautifully landscaped yard, gorgeous cobblestone paver driveway, gas stove in the living room - no need to worry about heat or cooking when the power goes out! Also included is a a BONUS 3-season porch that can easily be heated. This property has it all: location, not in a flood zone, town water/sewer and gas heat. It simply is a MUST see!

Listed by Wendy Huntington, Molisse Realty Group

$
$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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29 Pembroke Street Quincy MA 02169

Price$395,000

Est. Mortgage: $/month

Open House

MLS Number 72554040

  • Single Family
  • Next Open House: Sun 25th 1:00 pm - 3:00 pm
  • Parking Spaces 2
  • Year Built 1945
  • Full Bath 1

REPAIR RENOVATE RESTORE Expandable cape with 4 rooms, 2 bedrooms, 1 bath, in very desirable South Quincy/Braintree line neighborhood. Potential to add dormer to unfinished second floor. Some renovations have already been done ...newer roof less than 10 years, central AC, newer electrical with 100 amps and circuit breakers, replacement windows, new gas hot water heater, hardwood floors, first floor has been insulated. Home is located just minutes away from the newly re-opened Franklin Street entrance to Quincy Adams "T" station and highway.. Private fenced backyard. Shopping, restaurants and schools close by. Come, bring your tools, roll up your sleeves and be ready to restore this home.,

Listed by Roseann Flavin and Michael Flavin, Flavin & Flavin Realty, Inc.

$
$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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29 Woodlawn Circle Marshfield MA 02050

Price$429,900

Est. Mortgage: $/month

Open House

MLS Number 72554221

  • Single Family
  • Next Open House: Sun 25th 12:00 pm - 2:00 pm
  • Garage 2
  • Parking Spaces 6
  • Village Fantastic

This is it! Houses rarely come on the market in this neighborhood! It is one of the best places to live in Marshfield. Close to the beaches, the town center, fairgrounds, shopping, restaurants, marina's. Everything you love about this town is just minutes away. This house has been lovingly owned forever. One of the best lots in the neighborhood, quiet safe street, excellent curb appeal too. Inside features one floor living at its finest but has the bonus of a finished basement and a 3 season porch that can be used as a home office with a separate entry. The 2 garage is huge and has tons of storage and there is plenty of storage in the basement as well. The house has CENTRAL AIR, Vaulted Ceilings, Recessed lighting, hardwood floors, custom fireplace, many built ins and for those of you who like to cook the gas stove top in the middle of a huge kitchen with recessed lighting, skylights,& casual dining area with picture window will make you happy. Well water for the grass too!

Listed by Todd Webster and Stephen Webster, Success! Real Estate

$
$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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169 Albatross Road Quincy MA 02169
Price Changed

MLS Number 72547525

  • Single Family
  • Parking Spaces 5
  • Village Adams Shore
  • Year Built 1930
  • Full Bath 2

LOVE ADAMS SHORE !!!! -No Flood Insurance Required , Merrymount Elementary School, 4 Bedroom, 2 Bath, All Hardwood Floors, Gas FirePlace, Finished room in Lower level, Updated Windows and Vinyl Siding, Recently updated Second Floor Bathroom, Home Converted recently to gas for heat , cooking and laundry. New Heating and Hot water, Updated Electrical with 200 amps. Plenty of Off street parking that allows the Seller to store a boat in the driveway. One Tenth of a Mile to the Recently renovated Arthur Boyson Public Park , along with local Heron Road Beach, and Adams Shore Library. Some Limited water views from the second floor, Storage Shed in Yard along with a brick patio to enjoy the Adams shore breeze. Optional Adams Shore Community Group ( for a small annual fee) provides numerous Holiday activities. 214/216 Bus at Albatross/Sea St. Showings by appointment only. Sellers are able to accommodate a quick closing.

Listed by Kimberly Allard, Century 21 Professionals

$
$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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97 Midland Waltham MA 02451

Price$529,900

Est. Mortgage: $/month

Open House

MLS Number 72554072

  • Single Family
  • Next Open House: Sun 25th 2:00 pm - 3:30 pm
  • Parking Spaces 2
  • Year Built 1953
  • Full Bath 1

Highly coveted neighborhood on Lincoln/Waltham line. This 3 bedroom, 1 bath ranch boasts newer windows, newer roof, gas fired heat and hot water. Central air conditioning. Enter into this sun filled, wide open floor plan with a generous front to back, fireplaced living room open to the dining room with hardwood flooring. The sun filled kitchen is just waiting on your personal touches and accesses to a wonderful rear deck with lovely views. The first floor also includes the master bedroom, with two closets, two additional bedrooms (all with hardwood floors) and the full bathroom. The home also includes a finished basement with a separate work room. The home is located on a corner lot, and a quaint and quiet street with easy access close to route 128, Mass Pike and route 2.

Listed by Siobhan O Connell and Gerry Cosby, Gelineau & Associates, R.E.

$
$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

Save FavoriteSchedule A VisitAsk A QuestionMore Details

The property listing data and information, or the Images, set forth herein were provided to MLS Property Information Network, Inc. from third party sources, including sellers, lessors and public records, and were compiled by MLS Property Information Network, Inc. The property listing data and information, and the Images, are for the personal, non-commercial use of consumers having a good faith interest in purchasing or leasing listed properties of the type displayed to them and may not be used for any purpose other than to identify prospective properties which such consumers may have a good faith interest in purchasing or leasing. MLS Property Information Network, Inc. and its subscribers disclaim any and all representations and warranties as to the accuracy of the property listing data and information, or as to the accuracy of any of the Images, set forth herein.