Talk to Our Team About Your Massachusetts Move
Program and regulatory figures verified September 25, 2026. Details change; confirm your scenario with us.
Tell us where you are buying, what you are leaving behind, and how long you have had it. That is enough to start.
What helps us answer quickly
- The Massachusetts county you are buying in, since it decides which of three conforming limits applies.
- Roughly how long you have owned the departing home, since a long tenure is what raises the surtax question.
- The departing home's full payment, including taxes, insurance and any association dues.
- Whether the departing home is listed, under contract, or neither.
What happens next
Our team reviews it and reaches out shortly. We will tell you which of the three structures fits, which conforming tier you are in, what the departing home does to your ratio, and what reserves to expect. If the gain looks large enough to warrant a CPA conversation before you choose, we will say that too.
Before you call, the structures page and the Massachusetts guide cover most of the ground. The tax question is on the surtax page.
Frequently asked questions
What information should I have ready?
The Massachusetts county you are buying in, roughly how long you have owned the departing home, that home's full payment including taxes and insurance, and whether it is listed, under contract or neither.
How soon will someone get back to me?
Our team reviews every Massachusetts scenario and reaches out shortly, usually with a read on which structure fits, which conforming tier applies, and what reserves to expect.
Do you lend across all of Massachusetts?
Yes, statewide across all 14 counties. Note that the conforming limit differs three ways: $1,249,125 in Dukes and Nantucket, $962,550 in the five Boston-metro counties, and $832,750 in the other seven.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content about financing, not a loan commitment and not legal, tax, or real estate advice. The Massachusetts surtax threshold is set by the Commonwealth and indexed annually, and whether a home sale reaches it depends entirely on your facts; your CPA, your closing attorney, and your real estate agent each handle their own part. Loans are subject to borrower and property qualification.