Difference Between a City and a Town in Massachusetts

Difference Between a City and a Town in Massachusetts

If you move to Massachusetts from another state, you may realize quickly that most Bay Staters identify themselves by the town or city they’re from. For example, you’ll meet plenty of people who are from Beverly, Essex, and Gloucester, but you’ll rarely meet anyone who says they are “from Essex County.” Only a portion of […]

What is Proposition 2 ½

Proposition 2 ½ is a longstanding Massachusetts statute, but it can be a bit confusing. Enacted in 1980, Proposition 2 ½ first went into effect in 1982. It was a legislative initiative passed by ballot measure to limit property tax assessments and automobile excise tax levies by local municipalities in Massachusetts. The proposition’s namesake comes […]

History of the Montserrat Neighborhood

If you ask anyone who lives in Beverly whether they’re familiar with the Montserrat neighborhood, they’ll likely say, “of course!” But if you ask them where the neighborhood begins and ends, they might not be able to give you an accurate description.  Some Beverly residents might direct you to the Montserrat College of Art, a […]

Jumbo Mortgage

A jumbo mortgage doesn’t have a technical “definition”.  It is the “white space” where Agency mortgages stop. If it had a static definition it would never be the same two years in a row. And jumbo’s have multiple variables. 

2021 Conforming and Jumbo Loan Limits

Can you think of many (any?) things that will cost LESS in 2021? Among the items on this shortlist is the cost of mortgage money. While we can’t predict the direction of mortgage rates in 2021, we can tell you that the Limits (caps) on lower costing mortgages are set to expand on January 1, 2021.

Relocating to Massachusetts

What do I need to know about relocating to Massachusetts? So a little depends on where you are coming FROM but more importantly WHY you are coming here. How would these two attributes be important you ask? You’re either being drawn to Massachusetts (examples: work or school, relationships, culture + lifestyle, or natural attributes such […]

Home Buying Without PMI

Yes, It can be done! (But it is not always in your best interest to do so). “Why is that?” you’re asking now, “If I could save $200, $300, $400 a month, why wouldn’t I?” IF it was “TRUE” savings of course you would. Every time. But what if it wasn’t true savings?

Self Employed Home Buying During Covid

Dropping PMI

Mortgage Insurance (MI) is a necessary expense for getting into a home without putting a 20% down-payment. There are several types of Mortgage Insurance – each with its entirely own user manual for purpose and removal. There are also a lot of misconceptions surrounding MI.


Wayland is a 15.9 square mile town in Middlesex Country, Massachusetts, located in the MetroWest area around Boston. Wayland was the first settlement of the Sudbury Plantation (as it was originally known), which was established in 1638.


The Town of Medfield (02052) is a 14.59-square-mile community in Norfolk County, Massachusetts, southwest of Boston. It’s beloved for its excellent public schools, family-friendly atmosphere, and abundant parks.


Officially known as the “Town of Braintree,” Braintree is a 14.5 square mile town in Norfolk County, Massachusetts, just south of Boston. Like other towns in New England, Braintree is named after a town in England.

Buying During Covid-19


Melrose (02176) is a 4.8-square-mile city in Middlesex County, Massachusetts and is part of the Greater Boston area. It’s generally regarded as a great place to live due to its vibrant community, its proximity to Boston, and its great public schools.


Salem MA (01970) is an 18.1 square mile city on the North Shore of Massachusetts. Its biggest claim to fame is the infamous history of the 1692 Salem witch trials, which have long shaped the city’s historical and cultural identity — Salem even has the nickname, “Witch City.”