Mortgage Broker Serving Saugus, Lynn and Revere, MA

Beyond Financing, Inc. is headquartered at 999 Broadway, Suite 500-N in Saugus, Massachusetts, just off Route 1. We help buyers and homeowners in Saugus, Lynn, Revere and the surrounding North Shore compare mortgage options from multiple wholesale lenders, instead of being limited to one bank's products. We serve clients in English, Portuguese and Spanish.

Local knowledge that helps you close

The North Shore has a mix of single-family homes, condos and 2–4 family properties. Many of our clients buy a two- or three-family home, live in one unit and rent the others. We help buyers understand how lenders count projected rental income, what documents are needed and which programs fit owner-occupied multi-family purchases. We also work with first-time buyers, move-up buyers and homeowners who want to refinance or use their equity.

Loan options we help with

• Home purchase loans – conventional, FHA, VA and jumbo
• Refinancing – rate-and-term and cash-out
• ITIN mortgage loans for borrowers without a Social Security number
• Bank statement loans for self-employed borrowers
• DSCR loans for investment properties
• Foreign national loans for buyers living abroad

Buying in Massachusetts: what to expect

• Attorney closings. Massachusetts closings are handled by attorneys. We coordinate with the closing attorney, your real estate agent and the lender from contract to keys.
• Condos. Lenders review the condo association, and a 6(d) certificate showing the unit's common charges are paid is needed at closing.
• Older homes. Many homes in the area were built before 1978, so ask your agent about Massachusetts lead paint rules, especially if young children will live in the home.
• Septic systems. Homes that are not on town sewer generally need a Title V septic inspection when sold.

Frequently asked questions

Is there a mortgage broker in Saugus, MA?

Yes. Beyond Financing, Inc. (NMLS #2394496) is a mortgage company located at 999 Broadway, Suite 500-N, Saugus, MA 01906, serving Saugus, Lynn, Revere and the North Shore. Phone: (857) 410-1391.

Can I buy a two- or three-family home in Lynn or Revere and live in one unit?

Yes. Owner-occupied 2–4 family homes can be financed with several loan programs, and lenders may count part of the rental income from the other units. Requirements vary by program.

Does Beyond Financing speak Portuguese or Spanish?

Yes. Founder Sandro Pansini Souza (NMLS #1625542) serves clients in English, Portuguese and Spanish.

Talk to a Beyond Financing loan officer: (857) 410-1391 · Apply now · Send us a message · Atendimento em português

Beyond Financing, Inc. | NMLS #2394496 | 999 Broadway, Suite 500-N, Saugus, MA 01906 | (857) 410-1391. Mortgage Broker only in CA, CT and MA; Mortgage Broker and Correspondent Lender in FL, NH, NC, RI, SC and TX. See our Licensing page and NMLS Consumer Access. Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, property approval, underwriting guidelines and program availability, and terms may change without notice. Not all applicants will qualify. Program availability varies by state.