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FHA vs Conventional in Massachusetts (2026 Guide)

Choosing between FHA and conventional financing is one of the biggest decisions Massachusetts homebuyers make — and in a high-cost market, the choice can materially affect both your affordability and whether you qualify at all.

May 14, 2026

How Much Income Do You Need for a $700K House?

Buying a $700,000 home is where affordability starts becoming heavily dependent on structure rather than just income. At lower price points, buyers can often qualify comfortably using standard conventional financing with manageable monthly payments. At $700K, the combination of interest rates, property taxes, insurance, condo fees, and existing debt starts materially impacting how much income is actually needed to make the numbers work.

May 8, 2026

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