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Massachusetts · Powered by Loan Factory
Jerry Kindig is licensed in Massachusetts. As an independent mortgage broker, we shop your loan across 220+ wholesale lenders, whether you are buying or refinancing in Massachusetts.
Licensed in Massachusetts
MALoan Factory, Inc. license, from our state license list.
Loan Factory, Inc. (NMLS #320841), the brokerage behind Pick My Mortgage Rate, holds this Massachusetts license. Jerry Kindig (NMLS #2397823) is personally licensed as a mortgage loan originator in Massachusetts.
Loan Factory, Inc. license in Massachusetts, from our state license list:
Mortgage Broker License
License#: MB320841
Licensed by Massachusetts Division of Banks
Required state noticeAs a mortgage broker, we arrange but do not make loans
NMLS Consumer Access is the official, free lookup for mortgage companies and loan officers.
Massachusetts has about 7.2 million residents, according to the U.S. Census Bureau's estimate for July 1, 2025. As a licensed mortgage loan originator in Massachusetts (NMLS #2397823) with access to 220+ wholesale lenders through Loan Factory, Jerry Kindig helps you compare loan options, whether you are buying your first home, moving up, refinancing, or investing.
The 12 largest Massachusetts cities by population. Population: U.S. Census Bureau estimates for July 1, 2025.
Whether you are buying in Greater Boston, in Central or Western Massachusetts, or on Cape Cod, we work with borrowers throughout Massachusetts and can walk you through loan options that fit your plans and your property.
Sources: U.S. Census Bureau, Vintage 2025 city population estimates · Mass.gov, Massachusetts State House · NPS Boston · WPI · NPS Springfield Armory · Harvard University · MIT · NPS Lowell · NPS Adams · NPS New Bedford Whaling · Visit Massachusetts regions.
A few facts worth knowing before you buy in Massachusetts.
Sources: Mass.gov, Massachusetts tax rates · NOAA NCEI 1991-2020 climate normals (Boston Logan, Worcester) · U.S. DOT time zone map · NIST, daylight saving time · Hanscom AFB.
Visit Massachusetts groups the state into six regions, from Greater Boston to Cape Cod & The Islands and Western Massachusetts. Here are eight places to explore.
The 2.5-mile Freedom Trail through downtown Boston and Charlestown, plus the Charlestown Navy Yard and USS Constitution.
Forty miles of sandy beach, marshes, and ponds, with lighthouses and wild cranberry bogs.
The battlefields of April 19, 1775, the opening battle of the American Revolution.
The water-powered textile mills of the industrial revolution.
Established in 1938 as the first National Historic Site in the U.S., on the Salem waterfront.
The story of New Bedford's whaling era.
The Quincy birthplaces of John and John Quincy Adams and the family home at Peace field.
The world's largest historic U.S. military small arms collection.
Sources: Visit Massachusetts · NPS Boston · NPS Cape Cod · NPS Minute Man · NPS Lowell · NPS Salem Maritime · NPS New Bedford Whaling · NPS Adams · NPS Springfield Armory.
Home loans, investor loans, and equity options, all shopped for you. Eligibility varies by program. All loans are subject to approval.
Close a loan with another lender at a lower combination of interest rate, fees, and monthly mortgage insurance, and we'll send you a $2,000 check.
The Best Price Guarantee does not apply to Down Payment Assistance (DPA), Reverse, Non-QM, DSCR, Fix & Flip, Construction, Mobile, Wealth Builder HELOC, or USDA loans. See the full terms.
Yes. Jerry Kindig (NMLS #2397823) is licensed in Massachusetts, and Loan Factory, Inc. (NMLS #320841) holds Massachusetts Mortgage Broker License MB320841 from the Massachusetts Division of Banks. You can verify both on NMLS Consumer Access.
Yes. Jerry is licensed in Massachusetts and works with borrowers by phone, text, email, and online, so you can get started from wherever you are in the state.
Home loans (Conventional, FHA, VA, USDA, down payment assistance, mobile homes, and self-employed Non-QM), investor loans (DSCR, Fix and Flip, and construction), and equity and retirement options (Wealth Builder HELOC and reverse mortgages). Eligibility varies by program, and all loans are subject to approval.
Yes. Down payment assistance programs can help bridge the gap, and we pair them with the right loan. Eligibility, income limits, and terms vary by program, so ask us which programs you may qualify for.
Yes, for eligible loans. Conditions apply, including loan amounts of $200,000 or more and fixed-rate Conventional conforming, FHA, and VA loans on identical loan types. It does not apply to Down Payment Assistance (DPA), Reverse, Non-QM, DSCR, Fix and Flip, Construction, Mobile, Wealth Builder HELOC, or USDA loans.
Jerry is licensed in 19 states: Alaska, Arizona, Arkansas, California, Florida, Illinois, Indiana, Kentucky, Massachusetts, Michigan, Nevada, New Hampshire, North Carolina, Ohio, Pennsylvania, Tennessee, Texas, Utah, and Washington. Loan Factory, the brokerage behind Pick My Mortgage Rate, is licensed in 48 states and the District of Columbia.
Yes. Massachusetts taxes most income at 5%, and for tax year 2026 income over $1,107,750 is subject to an additional 4% surtax, according to the Massachusetts Department of Revenue.
The state sales and use tax rate is 6.25%, according to the Massachusetts Department of Revenue.
Boston Logan International Airport averages about 49 inches of snow a year, based on NOAA's 1991-2020 climate normals.
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