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.

118 Eutaw Street Boston MA 02128
Open House

MLS Number 72485725

  • Single Family
  • Next Open House: Sun 28th 11:00 am - 2:00 pm
  • Village Eagle Hill
  • Year Built 1900
  • Full Bath 1

INVESTOR ALERT!! A quaint single family surrounded by multi-families in the top part of desirable Eagle Hill area. This is a great opportunity for expansion upward. There is a small enclosed patio area in the rear of the house. The house does need renovation and perfect for those who like projects or an investor. The property is competitively priced. Come see for yourself at the Open House on Sunday, April 28, 2019 from 11am until 2pm. Refreshments will be provided.

Listed by Francis Duffy, Regents New England

$
$
%
$/month over payments
Federal 30-year interest rate: 4.17% last updated on Apr 18, 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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4 Oakwood Road Quincy MA 02169

Price$553,000

Est. Mortgage: $/month

MLS Number 72465383

  • Single Family
  • Garage 1
  • Parking Spaces 4
  • Year Built 1989
  • Full Bath 2

Style, scale, light and the details you want await in this Stunning Renovated Split-Level home that can be yours, but don't delay. The house has everything you are looking for in your new home. The kitchen is a dream with stainless appliances, stunning back-splash, tile floor, updated cabinets, granite counter-tops, with adjoining breakfast nook and dining room. Step out to the deck to get a glimpse of water view of town river bay. Relax by the bright bay window in the cozy yet spacious living room. Master suite has a full bathroom. A good-sized family room on the lower level. Several upgrades and updates lower level completed in 2016, freshly painted interiors, new blinds, new light fixtures, new granite counter top, new refrigerator, and many more.

Listed by Talib Hussain, Keller Williams Elite

$
$
%
$/month over payments
Federal 30-year interest rate: 4.17% last updated on Apr 18, 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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1826 River Street Boston MA 02136

MLS Number 72485695

  • Single Family
  • Parking Spaces 2
  • Year Built 2019
  • Full Bath 2
  • Bathroom 3

Outstanding NEW CONSTRUCTION "Custom Craftsmanship" abounds these 2 townhouses primed for a "Single Family" lifestyle. Amazing open concept Living Room/Dining Room/Kitchen w/SS appliances, quartz countertops, spacious island, soft close cabinets, warm walnut stained HDWD floors, high ceilings & exquisite detail of wainscoting/crown moldings. 2nd floor master suite offers a double vanity/quartz counters, custom tiled glass enclosed shower & walk in closet. Completing the 2nd floor are 2 generous bedrooms, full tiled bath & laundry. 3rd floor provides a bonus room w/additional storage. EACH Townhouse offers high efficiency 2 zone Gas Heat/Central Air, Irrigation System, Alarm System, & exclusive private fenced yard (on 3 sides)! Custom craftsmanship will exceed the most discerning buyers expectations. Within walking distance to Stony Brook Reservation's 475 acres, minutes to Blue Hills skiing/walking trails, & Commuter Rail to Boston.

Listed by Mary Forde and Sue Brideau, Insight Realty Group, Inc.

$
$
%
$/month over payments
Federal 30-year interest rate: 4.17% last updated on Apr 18, 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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114 Arlington Road Woburn MA 01801

Price$429,000

Est. Mortgage: $/month

MLS Number 72484336

  • Single Family
  • Parking Spaces 2
  • Year Built 1900
  • Full Bath 2
  • Bathroom 2

Horn Pond! Three bedroom, 2 bathroom turn-of-the-century home with panoramic water views. Located on the Winchester line, this Colonial/Victorian features period details such as tin ceilings, hardwood floors, original built-ins and lovely bracketed eves. The second floor consists of two bedrooms and a newly updated bathroom with a claw foot tub and shower. The private third-floor master suite has a bright bedroom with large skylights and views of the pond with a renovated bathroom with radiant heating. Newer roof, gutters, hot water heater, boiler and decks. Great fenced-in garden for summer gatherings. Two side by side driveway parking. Close to shopping, hiking and biking trails and the Horn Pond Recreation Area.

Listed by Peter Boyajian and Paul Moreton, Peter Boyajian and Paul Moreton, Real Estate 109

$
$
%
$/month over payments
Federal 30-year interest rate: 4.17% last updated on Apr 18, 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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87 Arlington Street Boston MA 02136

MLS Number 72482559

  • Single Family
  • Parking Spaces 6
  • Year Built 1840
  • Full Bath 1
  • Bathroom 2

Beautiful Victorian home boasts incredible curb appeal! You will never find a home identical to this with its old world charm. Please do not disturb the occupants or walk on the the property.

Listed by Lindsey & Associates Realty Team, Keller Williams Elite

$
$
%
$/month over payments
Federal 30-year interest rate: 4.17% last updated on Apr 18, 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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20 Gay Street Quincy MA 02169

Price$629,000

Est. Mortgage: $/month

MLS Number 72465067

  • Single Family
  • Parking Spaces 6
  • Year Built 1890
  • Full Bath 4
  • Bathroom 4

Massive single family home with in-law suite at a convenient location. Steps to the newly revitalized Quincy Center with all the good restaurants, new condos, up coming medical offices and retail stores. Within walking distance to the T and minutes to the highway. Over 2700 sq ft of living area, first-floor in-law suite, 6-7 spacious bedrooms and 4 bathrooms, 2 driveways with separate entrance, perfect for extended family or converting to a legal 2 family to bring extra income. Large living room and kitchen. Newly finished paint and hardwood floor. This home is only missing your imagination, come see it for yourself! *** Sold as-is *** No showings until OH Sunday 12-3PM ***

Listed by Sam Ho, Presidential Homes Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 4.17% last updated on Apr 18, 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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114 Turner Street Quincy MA 02169

Price$369,000

Est. Mortgage: $/month

MLS Number 72483934

  • Single Family
  • Parking Spaces 2
  • Year Built 1910
  • Full Bath 1
  • Bathroom 2

Last showings will be today(4/22/19from 5:30 to 7pm) Offers in hand. This beautiful, breezy, fully updated, tastefully decorated bungalow will leave very little to do but to move in,relax and enjoy. From sunsets on the seawall to walks to the local ice cream shop, Hough's Neck is a special place to live. Lovely kitchen. Master BR opens up to a spacious deck.Updates include (2017) Cedar impression vinyl siding, main roof, and solar panels (2016) New windows,Napoleon Gas fireplace,den fully renovated, new exterior doors (2015) Navien heat/tankless hot water system, new dishwasher (2014) Blown in insulation, Mini-split heat A/C unit, Electronic Sunsetter awning on rear deck (2013) Updated electric 200 amps,interior staircase, fully renovated full bath, sump pump and perimeter trench, front and rear roofs, rear deck, Reeds Ferry shed. Solar panels have been a great investment, generating renewable energy and defraying monthly electricity costs.Highest and best offers due 4/23/19 by 5pm

Listed by Kerrie Doherty, Success! Real Estate

$
$
%
$/month over payments
Federal 30-year interest rate: 4.17% last updated on Apr 18, 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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170 Butler Road Quincy MA 02169

Price$499,900

Est. Mortgage: $/month

Open House

MLS Number 72485058

  • Single Family
  • Next Open House: Wed 24th 5:00 pm - 6:30 pm
  • Garage 1
  • Parking Spaces 1
  • Year Built 1946

Perfect starter home, in well sought after Merrymount neighborhood. Priced to Sell! Fireplace living room open to dining room with hardwood floors, modern kitchen with breakfast nook, leading to a new composite deck, two bedrooms and a full bath complete the first floor. Two additional bedrooms and a full bath on second floor. Plenty of storage and good sized 1 car garage under. New Well-Mclean furnace and Rudd water heater, newer roof. Lovely corner lot with mature plantings. No showings until Open House Wednesday 4/24 5:00-6:30 P.M.

Listed by Joseph Boyd, Flavin & Flavin Realty, Inc.

$
$
%
$/month over payments
Federal 30-year interest rate: 4.17% last updated on Apr 18, 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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47 Leonard Boston MA 02122

Price$429,900

Est. Mortgage: $/month

MLS Number 72462689

  • Single Family
  • Year Built 1905
  • Full Bath 2
  • Bathroom 3
  • Half Bath 1

Amazing location, with spacious deck and yeard! Near UMass Boston, 6min walking to redline, steps away from restaurants and other amenities. Potential space in lower level w/full bath and kitchenette. Used as a 3BR, with updated eat-in-kitchen and granite counters. Hardwood floors throughout. Washer/dryer stays. Lots of storage. Now VACANT and EASY TO SHOW!

Listed by Dina Kahriman and Diane Mammola-Marino, Dina's Realty, LLC

$
$
%
$/month over payments
Federal 30-year interest rate: 4.17% last updated on Apr 18, 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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36 Fairview Terrace Malden MA 02148

MLS Number 72475443

  • Single Family
  • Parking Spaces 5
  • Year Built 1900
  • Full Bath 1
  • Bathroom 2

Welcome to 36 Fairview Ter! Meticulously kept colonial in the beautiful Forestdale area. 36 Fairview Terrace offers homeowners ample living space throughout. The first floor foyer is very welcoming and leads into the kitchen living room and dinning room. The flow of the first floor is perfect for entertaining. All the rooms throughout the house are filled with natural sunlight. Plenty of off street parking included. A commuters dream, as you're close to public transportation, within a mile of Malden Center and minutes of all major highway routes.

Listed by Pezzano Group, Daniel Pezzano and Peter Pezzano, Branch Out Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 4.17% last updated on Apr 18, 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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79 Cliff Street Quincy MA 02169

Price$479,900

Est. Mortgage: $/month

MLS Number 72483431

  • Single Family
  • Garage 1
  • Parking Spaces 2
  • Year Built 1928
  • Full Bath 1

Best and Final Offers due Tuesday April 23, 2019 at 4 PM. Please leave offer open until 12 PM on April 24, 2019. Welcome to this lovely 3 bedroom colonial with craftsman style details. Enjoy warm evenings on the front farmers porch as you enter the home or cozy evenings by the fireplace in the open living room. Imagine your own personal style in the kitchen as you look out over the large backyard through the bay window. Three great sized bedrooms on the second floor are just awaiting your personal touch. This is a great opportunity to create the home you have been searching for in this highly sought after neighborhood.

Listed by Wood Realty Partners, Patricia Bertucci, Ellen O'Donnell and Michael Wood, Compass

$
$
%
$/month over payments
Federal 30-year interest rate: 4.17% last updated on Apr 18, 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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250 Thacher Street Milton MA 02186

MLS Number 72485508

  • Single Family
  • Parking Spaces 4
  • Year Built 1905
  • Full Bath 1
  • Bathroom 2

Great Commuter location, close to trolleys, buses, commuter rail, minutes to highway and multiple routes to downtown Boston. This well maintained home features three levels of living space ,Kitchen with Granite Countertops and Stainless Steel Appliances and 1.5 bathrooms, Hardwood Floors through-out , Living Room, Dining Room and 1 Bedroom on the main level , 2nd floor has 3 Bedrooms, Walk up 3rd floor 1.5 Bedrooms, with potential Bonus Room and was Voted the Best town to Live in. Great School System.

Listed by Kerry Andrade, HHRE Group

$
$
%
$/month over payments
Federal 30-year interest rate: 4.17% last updated on Apr 18, 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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