Mortgage lender in Suffolk County, MA

Buying in Suffolk County

Suffolk County is Boston, together with Chelsea, Revere and Winthrop. Suffolk 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. Suffolk 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.

Suffolk County: Boston, Chelsea, Revere and Winthrop

Most purchases here are condominiums. Lenders review the association’s budget, reserves, insurance and the share of units that are owner-occupied, and a two- or three-unit converted building is reviewed differently from a large complex, so name the building early. Prices in much of Boston put purchases above the conforming limit, where jumbo loans apply.

In Dorchester, Roxbury, East Boston, Chelsea and Revere, two- and three-family homes are common; buying one to live in follows owner-occupant rules. Parts of the waterfront, East Boston, Revere and Winthrop are in a mapped flood zone, so we order the flood determination at the start.

Suffolk County by the numbers

Median home value

$705,800 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.66% of home value a year: median tax bill $4,649 on a median value of $705,800 (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

Boston, Revere, Chelsea, Winthrop (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $705,800. 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 Suffolk County buyers ask

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

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