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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.

108 Phillips Street Quincy MA 02170

Price$568,000

Est. Mortgage: $/month

MLS Number 72521994

  • Single Family
  • Garage 2
  • Parking Spaces 3
  • Year Built 1915
  • Full Bath 2

This beautiful Colonial home is located in one of the most desirable neighborhoods in Quincy. Very little needs to be done before moving into your 4-5 bedroom, two full bath home. The property includes a beautiful private yard that is perfect for a garden and outdoor parties for your family and friends. There is plenty of parking with a two car garage and extra long driveway. The property is a very short distance to Wollaston Beach, shopping and the T-Station.

Listed by Bob Daigle, Robert Daigle

$
$
%
$/month over payments
Federal 30-year interest rate: 3.82% last updated on Jun 13, 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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115 Turner Street Quincy MA 02169
Open House

MLS Number 72436338

  • Single Family
  • Next Open House: Sun 23rd 11:30 am - 1:30 pm
  • Parking Spaces 1
  • Year Built 1925
  • Full Bath 2

Open House Sunday 6/23 11:30-1:30. Charming Colonial in Hough's Neck! Just yards from the beach, this home offers amazing space and ocean view! Enjoy the breathtaking water view the master bedroom! Master boasts picture window with water view, vaulted ceiling and ceiling fans, built in dresser drawers, electric fireplace, and cozy bump-out sitting areas! Main level has kitchen, living room, dining room, first floor bedroom, and full bath. Second floor has 2 large bedrooms, center-placed den or family room, and full bath with abutting walk-in closet. Relax and take in ocean breezes on your farmers porch! Newer gas heating system and newer windows. Driveway can accommodate 3 cars tandem!

Listed by Janet Howcroft and Diana D'Orsi, Five Star Realty Group

$
$
%
$/month over payments
Federal 30-year interest rate: 3.82% last updated on Jun 13, 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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11 COPLEY Street Quincy MA 02170
Price Changed

MLS Number 72489854

  • Single Family
  • Parking Spaces 2
  • Village Beechwood Knoll Area
  • Year Built 1985
  • Full Bath 2

Spacious Wollaston garrison Colonial, situated on generous 10K+ sf corner lot, close to beach, highway, T and downtown. Recent updates include efficient Navien gas furnace (2018), all new windows (2016), deck & outdoor patio & front steps (2014). This home offers formal LR & DR, plus oak kitchen open to large FP'd family room with sliders to deck and fenced yard with shed. There's an additional office/4th BR on the first floor, along with 1st floor laundry in the half bath. Second floor BR's are good-sized with HW floors. MBR has its own en-suite bath & walk-in closet. Upstairs BR's are heated by electric baseboard, each room with its own thermostat.

Listed by Downing Team, Steve Downing and Susan Downing, Century 21 Annex Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 3.82% last updated on Jun 13, 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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1 John Street Waltham MA 02453

Price$475,000

Est. Mortgage: $/month

MLS Number 72521972

  • Single Family
  • Garage 1
  • Parking Spaces 4
  • Year Built 1880
  • Full Bath 1

Newton Line! Terrific opportunity to get into a great location, a commuting professional's dream! Tucked into a quiet corner lot with fenced in back yard and a detached garage! Potential galore in this adorable "old style" home in need of updating. Great condo alternative and FANTASTIC location steps to Moody St., The Riverwalk and so much more! Come build sweat equity in this gem of a home. Hardwoods under carpets in many areas! Efficient Natural Gas Central Air & Heating. Open concept family room flows into eat-in kitchen. Come design your dreams here; you're going to brag to all your friends when they see the finished product!! Showings begin at first open house, Saturday 6/22

Listed by Deb Booras, Keller Williams Realty Boston Northwest

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$
%
$/month over payments
Federal 30-year interest rate: 3.82% last updated on Jun 13, 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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23 Stearns Road Boston MA 02132

MLS Number 72521955

  • Single Family
  • Parking Spaces 2
  • Year Built 1927
  • Full Bath 1
  • Bathroom 1

This beautiful 1920's colonial home is conveniently located on a quaint, dead end residential street in West Roxbury. Flooded with light, the spacious living room is highlighted by a traditional mantle and fireplace, gumwood trim, and adjacent sunroom perfect for a home office or sitting area. Formal dining room leads to the kitchen - new gas stove and plenty of cabinet storage. Direct access to a peaceful and private backyard. The second floor offers a master bedroom with custom closets plus two additional bedrooms. Charming and spacious full bathroom. Other updates include new furnace & hot water (2016), roof (2009), updated siding and energy windows plus full blown in cellulose insulation. Paved driveway with off street parking for 2 cars. This home is conveniently near to the bus line & all major highways, plus the shops and restaurants located in the heart of West Roxbury.

Listed by ResCo Team, Amy Butterworth and Timothy Deihl, Gibson Sotheby's International Realty

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$
%
$/month over payments
Federal 30-year interest rate: 3.82% last updated on Jun 13, 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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60 Lansdowne Street Quincy MA 02171
Open House

MLS Number 72520825

  • Single Family
  • Next Open House: Sat 22nd 11:00 am - 3:00 pm
  • Parking Spaces 2
  • Year Built 1954
  • Full Bath 2

Here is a beautiful home in Squantum centrally located in a quiet neighborhood on a dead end street. The home is walking distance to Quincy's famous Marina Bay, walking distance to Wollaston beach and has some nice bike paths and walking, running and T bus routes directly out your front door. The home does require flood insurance being directly on the water and costs only $1,800. hundred dollars a year. This home has a beautifully landscaped yard and a deck to relax on with a wonderful breeze to enjoy your dinner. This home is a diamond in the ruff and the lucky owner will enjoy it for many years to come!

Listed by Charles Almy, JDS Realty Group

$
$
%
$/month over payments
Federal 30-year interest rate: 3.82% last updated on Jun 13, 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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95 Davis Street Quincy MA 02170

Price$550,000

Est. Mortgage: $/month

Open House

MLS Number 72521949

  • Single Family
  • Next Open House: Sat 22nd 11:00 am - 1:00 pm
  • Garage 2
  • Parking Spaces 2
  • Year Built 1928

There's no place like home especially when it's your own. . . Start your next chapter making memories in this wonderful Antique Colonial styled home that is perfectly situated on a corner lot in a Wollaston neighborhood of Quincy. The old-styled charm of this home brings memories of yesteryear while having all the conveniences of today. Just a short jaunt to Wollaston beach - approximately .3 miles, enjoy morning sunrises, evening sunsets and warm ocean breezes. A commuter's delight, this home is conveniently located to the Southeast Expressway and just about ½ mile to Wollaston MBTA station. Welcome to Quincy. Welcome Home!

Listed by Sharon McNamara Broker Team, Mary Baker and Sharon L. McNamara, Boston Connect Real Estate

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$
%
$/month over payments
Federal 30-year interest rate: 3.82% last updated on Jun 13, 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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688 Canterbury Street Boston MA 02131
Open House

MLS Number 72521950

  • Single Family
  • Next Open House: Sat 22nd 12:30 pm - 2:30 pm
  • Parking Spaces 4
  • Year Built 1900
  • Full Bath 1

Here is the deal that you have been waiting for, a colonial style with over 1900 square feet of living area and 0.12 acres lot. This is a diamond in the rough. With some TLC, you can bring all the beauty and potential offered by this home. Good size living room, formal dining room, kitchen and 1/2 bath on the first floor, enclosed front porch, amazing back yard for cookouts and family/friends gatherings with a solid built gazebo for those rainy days or to decorate for family parties. Make this your dream home. Showings start at open house on Saturday June 22 from 12-30 to 2:30 PM.

Listed by Guillermo Perez, RE/MAX Way

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$
%
$/month over payments
Federal 30-year interest rate: 3.82% last updated on Jun 13, 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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62 Lodgehill Road Boston MA 02136
Open House

MLS Number 72477104

  • Single Family
  • Next Open House: Sun 23rd 12:00 pm - 1:30 pm
  • Parking Spaces 1
  • Year Built 1950
  • Full Bath 2

Newer Renovation of this 3 bed, 2 full bath 2 level ranch home on desirable Hyde Park location on the Rozzie line. This charming home has 3 beds, 1 full bath on main floor, a tastefully renovated kitchen with white shaker cabinets s/s appliances and granite counters, opened to the living room, hardwood floors throughout, & freshly painted. The lower level is perfect for the extended family outfitted with an additional kitchen area, full bath and living space. New siding and inner walls blown in insulation, roof roughly 10 years old, and vinyl windows.

Listed by Steven Musto, Insight Realty Group, Inc.

$
$
%
$/month over payments
Federal 30-year interest rate: 3.82% last updated on Jun 13, 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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56 Westover Street Everett MA 02149

Price$499,000

Est. Mortgage: $/month

Open House

MLS Number 72511207

  • Single Family
  • Next Open House: Sun 23rd 12:00 pm - 2:00 pm
  • Garage 1
  • Parking Spaces 2
  • Year Built 1930

Well looked after home on quiet street in West Everett. Close to schools, transportation shopping and dining. Low maintenance vinyl siding, newer mechanicals and fenced in yard with private patio for outdoor dining. Updated bathrooms within last year. Large driveway and detached garage. Close to (2.8 miles) but far enough away from the new Encore Casino. All appliances, including built-in wall air conditioner(s) included as gifts with no warranties expressed or implied.

Listed by Antonio Pesce, DAPP Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 3.82% last updated on Jun 13, 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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74 CEDARWOOD Avenue Waltham MA 02453
Open House

MLS Number 72521665

  • Single Family
  • Next Open House: Sat 22nd 12:00 pm - 2:00 pm
  • Garage 1
  • Parking Spaces 4
  • Village Cedarwood

Absolutely stunning three Bedroom, two full bath colonial home located right in the heart of CEDARWOOD! This property features high ceilings and hardwood floors throughout, a large eat-in kitchen, an entertainment-sized dining room and a sunny den, perfect for your home office or relaxation area! You will find gorgeous woodwork throughout and plenty of sunlight flowing through this beautiful home! Furthermore, it comes with a one car garage and an extra long driveway that can park more additional cars. The unfinished basement has high ceilings as well and plenty of space for extra storage. Decompress in the oversized three season porch or the gorgeous, large back yard! ***First Public Open House on Saturday, June 22nd from 12-2 PM and Sunday, June 23rd from 12-2 PM.***

Listed by Dave DiGregorio and Adriana Scholz, Coldwell Banker Residential Brokerage - Waltham

$
$
%
$/month over payments
Federal 30-year interest rate: 3.82% last updated on Jun 13, 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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85 Como Road Boston MA 02136
Open House

MLS Number 72521258

  • Single Family
  • Next Open House: Sat 22nd 1:00 pm - 3:00 pm
  • Parking Spaces 2
  • Year Built 1950
  • Full Bath 2

New stone walkway and granite steps welcome you to this beautiful 4bed 2.5 bath cape in the Readville neighborhood of Boston. The living room has a wood burning fireplace surrounded by bookshelves and crown molding. The kitchen is newly updated with double oven, gas range, granite counter tops and an island. The spacious dining room has a chair rail and plenty of room for gatherings. A first floor master and updated bathroom with jacuzzi tub complete the level. The second floor has three more bedrooms. One bedroom has a walk in closet, another has a beautiful barn door on the closet and there is another renovated bath on the level. Relax in the partially finished basement with separate workshop, laundry and 1/2 bath. From there walk out to the large terraced backyard. Nearby commuter rail, shopping areas and dining make this an ideal location.

Listed by Catherine Friedman, Coldwell Banker Residential Brokerage - Dedham

$
$
%
$/month over payments
Federal 30-year interest rate: 3.82% last updated on Jun 13, 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

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