Mortgage lender in Middlesex County, MA

Buying in Middlesex County

Middlesex County, the most populous in New England, takes in Cambridge, Lowell, Newton, Somerville, Framingham, Waltham and Malden. Middlesex County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Massachusetts, from our Southampton, PA office.

2026 conforming limit

$962,550 (high-cost area)

2026 FHA limit

$962,550 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

closing attorney

State housing agency

MassHousing (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Middlesex County is designated a high-cost area for conforming loans, so its limit is above the national baseline of $832,750. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Middlesex County: Cambridge to Lowell

Close to Boston, in Cambridge, Somerville, Medford and Malden, condominiums and two- and three-family homes are most of the market. A condominium in a small converted building is reviewed differently from one in a large complex, so tell us how many units are in the building. Buying a multi-family home to live in follows owner-occupant rules.

Newton, Lexington, Concord and the towns along Route 128 are among the highest-priced in the state, where many purchases are jumbo loans. Lowell and the Merrimack Valley towns are more moderate. Hanscom Air Force Base, in Bedford, brings VA-eligible buyers. In the outer towns, homes with a septic system need a Title 5 inspection before the sale.

Middlesex County by the numbers

Median home value

$727,800 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.03% of home value a year: median tax bill $7,501 on a median value of $727,800 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

Deeds excise of $2.28 per $500 of the sale price (Massachusetts Department of Revenue, tax rates)

Largest communities

Cambridge, Lowell, Newton, Somerville (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $727,800. The 2026 one-unit conforming loan limit here is $962,550 and the FHA limit is $962,550.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Massachusetts

Closings in Massachusetts are typically handled by a closing attorney. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Massachusetts page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Middlesex County buyers ask

Massachusetts notice. Stellar Mortgage Corporation, NMLS #2190975. Massachusetts Mortgage Lender License.

Limits shown are the 2026 FHFA and HUD figures for Middlesex County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.