01
PRIMARY / SECOND / INVESTMENT
Conventional loans
A mortgage not insured or guaranteed by a government agency. Occupancy, credit, documentation, and mortgage-insurance requirements depend on the loan structure.
Talk through this option A NEW PERSPECTIVE ON HOME FINANCING
Massachusetts
home loans.
Your next chapter.
A first home. A new direction. A place to build your future. Start with a conversation about financing that fits your goals.
Mortgage options are subject to qualification, property eligibility, program availability, and lender review.
START WITH YOUR GOALSMore than a property.
Your next chapter.
Your next chapter.
IMAGERY FOR INSPIRATION
Innovative Mortgage Services, Inc.Company NMLS #250769
MassachusettsMortgage Broker/Lender License #MC250769
Equal Housing LenderMASSACHUSETTS / HOME FINANCING
A home that fits your life.
Guidance for your next step.
Explore home financing topics and discuss your goals, your property, and possible next steps with Kelly.
Start the conversation. Architectural imagery is illustrative, not a property listing or an indication of financing eligibility.
02 / YOUR PATH FORWARD
Less guesswork.
More perspective.
You don't need every answer before the first conversation. Begin with your goals, then take the next step with context.
01
Start with your story.
Talk about the property, how you plan to use it, and what you hope to achieve.
YOUR GOALS02
Explore the possibilities.
Discuss documentation, property considerations, and potential financing paths.
YOUR OPTIONS03
Choose your next step.
A formal application, when appropriate, starts a separate review. Approval requires applicable documentation and underwriting.
YOUR NEXT MOVE
YOUR POINT OF CONTACTKelly FigueiredoLoan Originator | NMLS #1880962
03 / A REAL PERSON IN YOUR CORNER
Modern experience.
Personal guidance.
Kelly Figueiredo provides mortgage guidance through Innovative Mortgage Services, Inc. Her approach begins with your goals and the details of your financing scenario.
Ask questions, discuss documentation, and understand the next steps before moving to a formal application.
LET'S MAKE THE CONVERSATION CLEAR
Start a conversation English / Português / Español
04 / QUESTIONS WELCOME
A little clarity
goes a long way.
Start with the questions on your mind. These answers are general information, not a lending decision.
Ask Kelly a questionWhere should I start as a first-time homebuyer?
Begin with your homeownership goals, intended property use, and questions about documentation. An initial conversation is different from a mortgage application or preapproval.
Are all of these programs available in Massachusetts?
Not necessarily. These are financing categories to discuss. Availability must be confirmed for the state, property, occupancy, borrower documentation, and applicable lender guidelines.
Can I discuss financing if I am self-employed?
Yes. Some programs may consider alternative income documentation, including bank deposit history. The accepted documents and qualification criteria depend on the lender and program. This does not mean documentation is waived.
What is different about financing a condominium?
A condominium may require review of the project as well as the individual borrower and unit. Eligibility depends on the program, property, and applicable lender requirements.
Does refinancing always save money?
No savings are promised here. A refinance should be reviewed in light of your existing loan, proposed terms, costs, and goals. Qualification and the available loan structure vary.
Is contacting Kelly the same as being approved?
No. A conversation or contact request is not an application, prequalification, preapproval, or commitment to lend. Any approval requires the applicable application, documentation, and underwriting review.
YOUR NEXT CHAPTER / START HERE
The first step
is a conversation.
Bring your questions about a Massachusetts property. Share your goals and a few basic details to start the conversation with Kelly.
- Your goals.
A first home, your next home, or a question about financing.
- Your questions.
Share your name, phone number, and email so Kelly can respond to your inquiry.
- Your next step.
Discuss documentation and the next steps for your situation.
Contact details only. Please do not provide Social Security numbers, bank details, credit documents, or other sensitive financial information through this form.
LET'S CONNECTMASSACHUSETTS
Tell us about your next move.
Leave your contact details to request a conversation.
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