BUY A HOME
Get pre-approved. Win the house.
A quick conversation with our team, a pre-approval sellers trust, and a payment you're comfortable with. That's the whole idea.
★★★★★ 5.0 from 450+ Google reviewsPRE-APPROVAL PROMISE
$10,000 behind your offer.
If your financing isn't approved, we pay the seller $10,000 and reimburse you up to $1,000 for inspection and appraisal. No finance contingency needed.
FREEFI
Rates drop later? Refi on us.
Buy at today's rate. If rates drop within 3 years, we cover qualifying closing costs when you refinance.
Both subject to program terms, conditions and eligibility. See terms
START HERE
What can I afford?
Start with your paycheck, not a listing. We'll show a comfortable price and a stretch price.
COMFORTABLE PRICE
$515,000
About $3,267 a month, all in
Stretch price
$595,000
Based on common guidelines: about 28% of income for housing and 36% to 43% for all debts.
See the full monthly costIllustrative only. Your actual approval depends on credit, income, assets, and the loan program. Not a commitment to lend.
What will it really cost?
The full monthly picture, not just principal and interest.
ESTIMATED MONTHLY PAYMENT
$4,002
- Principal and interest$3,202
- Property tax$650
- Home insurance$150
- HOA or condo fee$0
Cash to bring: about $130,000 down plus closing costs. If rates drop within 3 years, FreeFi covers qualifying closing costs on your refi.
Get pre-approvedIllustrative only. Principal and interest on a 30-year fixed; taxes, insurance and fees are your estimates. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.
From first call to keys, and after.
A quick conversation. A letter sellers trust.
Tell us about your income, savings, and price range. You get a clear pre-approval amount, a monthly payment you are comfortable with, and the Pre-Approval Promise behind you.
You share a few documents. We do the math and the letter.
Find your fit.
Tap everything that sounds like you. We'll show the programs worth a look.
First-time buyer programs
Low or no down payment options: FHA, HomeReady, Home Possible, and USDA.
VA and Hometown Hero
For veterans, first responders, healthcare workers, and educators.
Bridge loans
Use your current home’s equity to buy first, then sell on your timeline.
Jumbo and high balance
Financing for higher-priced homes, with interest-only options.
Condo and co-op loans
Including non-warrantable condos that other lenders turn down.
Construction and renovation
Land, new construction, and renovation financing.
DSCR and investment loans
Qualify on rental income. Commercial and mixed-use too.
Student loans and buying
How student debt is counted, and programs that help you qualify.
Buyers say it best.
See more reviews
“She made us feel supported, informed, and genuinely cared for every step of the way.” Nicole F. · Google review
“Chip and Sarah at Poli mortgage are top shelf in the world of mortgage brokers! Not only did they do a great job with the logistics and communicating every step of the way. They were there when issues arrived with a positive “we will figure it out” attitude. I will be using Poli mortgage for each and every future mortgage or refinance.”
Wes G. · Purchase · Google review
“Working with the Poli Mortgage Group has been a pleasure. From the first phone call to the final call we were met with a pleasant professional each time. We worked with Chip who explained everything we needed to make a smooth transaction.”
Bobbee F. · Purchase · Google review
“I couldn’t be happier with my experience dealing with Poli Mortgage. Chip was extremely helpful from day 1 and made me feel much better about the process.”
Brian L. · Purchase · Google review
FOR REAL ESTATE AGENTS
Send us your buyers. Their offers get stronger.
Fast pre-approval letters, a $10,000 Pre-Approval Promise listing agents notice, and our team just a call away when it counts.
Buyer questions.
Have questions? We're here to help every step of the way.
FOUNDER-LED SINCE 2001
We're here every step of the way.
Chip and the team personally guide every loan, backed by a full processing and closing team.
Prefer to start online? Apply now →It goes straight to our team, not a call center.
WHAT HAPPENS NEXT
- 1Apply in about 15 minutes
- 2We call or email you, usually same day
- 3Get your options in writing
Chip Poli
Founder · NMLS #19598
Call 781-232-8000
E: chipp@poligrp.com
Calls go to our main line, so you always reach a real person.
Sarah Zagaglia-Joy
Branch Manager · NMLS #1914862
Call 781-232-8000
E: sarah.joy@poligrp.com