GUIDE 01 · BUYING
First-Time Buyers
Low down payment options, a first-timer checklist, and how to make your first offer compete.
See buying options →Questions about your situation? A real person answers every call and email.

Have questions? We're here to help every step of the way.Call 781-232-8000sarah.joy@poligrp.com
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FREE GUIDES
Twelve quick, friendly guides to buying, refinancing, and getting more from your home. Read them right here, download one, or grab the whole set to print and share.
One PDF, 12 pages. Free, no sign-up.
GUIDE 01 · BUYING
Low down payment options, a first-timer checklist, and how to make your first offer compete.
See buying options →Questions about your situation? A real person answers every call and email.

GUIDE 02 · BUYING
VA loans with $0 down, plus programs for firefighters, police, nurses, and teachers.
See buying options →Questions about your situation? A real person answers every call and email.

GUIDE 03 · BUYING
How a bridge loan lets you move once, make a clean offer, and sell on your schedule.
See buying options →Questions about your situation? A real person answers every call and email.

GUIDE 04 · BUYING
Why write-offs trip up a mortgage, and how a bank statement loan fixes it.
See buying options →Questions about your situation? A real person answers every call and email.

GUIDE 05 · BUYING
Conforming, high balance, and jumbo explained, plus what helps a bigger loan go smoothly.
See buying options →Questions about your situation? A real person answers every call and email.

GUIDE 06 · BUYING
Why some buildings get flagged, and the loans built for exactly those buildings.
See buying options →Questions about your situation? A real person answers every call and email.

GUIDE 07 · BUYING
One loan for the dream build or the fixer-upper, and what to think through first.
See buying options →Questions about your situation? A real person answers every call and email.

GUIDE 08 · INVESTING
Let the rent qualify the property. The one number that matters, with a worked example.
Run a DSCR check →Questions about your situation? A real person answers every call and email.

GUIDE 09 · REFINANCE
Two-minute break-even math, green lights, and when to slow down.
See refinance options →Questions about your situation? A real person answers every call and email.

GUIDE 10 · EQUITY
Side by side, so you can pick the right way to use your equity.
See refinance options →Questions about your situation? A real person answers every call and email.

GUIDE 11 · EQUITY
For homeowners 62+. Common myths, what is actually true, and the basics to qualify.
See refinance options →Questions about your situation? A real person answers every call and email.

GUIDE 12 · BUYING AND EQUITY
Three smart paths, whether you are buying with student debt or ready to pay it off.
See buying options →Questions about your situation? A real person answers every call and email.

Tell her what you’re thinking and she’ll walk you through your real options, usually the same day.