Approved in Hours.Close in Days.
Ross Mortgage Company has helped New England families buy, refinance, and build wealth for 25 years — with the speed of a big lender and the care of a local one.
Loan Programs
Find the loan that fits your life
Whether you're buying your first home or putting your equity to work, we'll match you with the right program.
Not sure which program fits you? will walk you through every option — no pressure, no commitment.
Buying a home
FHA Loans
Low down payments and flexible credit guidelines — a popular path for first-time buyers.
Learn more →VA Loans
$0-down financing and competitive rates for veterans, active duty, and eligible spouses.
Learn more →MassHousing
Affordable state-backed loans with down payment help for Massachusetts buyers.
Learn more →Jumbo Loans
Financing above conventional limits for higher-value homes, with competitive rates.
Learn more →Refinancing
Cash-Out Refinance
Tap your home equity for renovations, debt consolidation, or big expenses.
Learn more →HELOC
A flexible line of credit secured by your equity — borrow only what you need.
Learn more →Rate & Term Refinance
Lower your rate or shorten your term to save over the life of your loan.
Learn more →Not sure where to start?
Talk to a loan officer who can match you with the right program for your goals.
Corporate Partners
Exclusive Benefits Through Our Partners
We're proud to offer special mortgage benefits to employees of these organizations.
How It Works
Four simple steps to closing
A streamlined process built to get qualified buyers from application to keys in as little as 10 days.
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1
Get Pre-Approved
Share a few details and get approved in hours, not days.
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2
Find Your House
Find a dream home within your budget
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3
Choose the Right Loan
We match you with the program that fits your goals and budget.
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4
Close Fast
Sign and get your keys in as little as 10 days.
The Ross 10-Day Close
From application to keys in as little as 10 days
Most lenders take 30 to 45 days. We built a streamlined process that gets qualified buyers to the closing table in a fraction of the time — so you can win the offer and move in sooner.
Our Team
Real People, Here to Help
Local loan officers who answer the phone, explain your options, and guide you to the finish line.
Get Started
Get Pre-Approved Today
Tell us a little about yourself and a loan officer will reach out — usually the same day.