Business Details
Your Trusted Mortgage Partner in Hanover, MA
At Wheel House Mortgage, we specialize in providing tailored mortgage solutions across Massachusetts. Unlike traditional banks with limited options, our team of experienced loan consultants leverages relationships with multiple lenders to secure rates and terms that align with each borrower's unique financial situation. With over two decades of industry expertise, our leadership team prioritizes transparent communication and personalized guidance throughout the entire loan process.We focus on educating clients about their options, whether purchasing a new home or refinancing an existing mortgage, while maintaining a commitment to ethical practices and client-centric service. Our approach emphasizes proactive follow-up, detailed financial analysis, and strategic recommendations to help clients achieve successful outcomes in their homeownership journeys.
Services
Mortgage Loans
Refinancing
Fixed-Rate Loans
FHA Loans
VA Loans
Jumbo Loans
USDA Loans
Home Ready Programs
203K Rehab Loans
Highlights and features
- We provide personalized mortgage solutions tailored to individual financial situations
- Our consultants have 10+ years of combined industry experience
- We maintain relationships with multiple lenders to find competitive rates
- We offer detailed financial analysis and transparent process explanations
- Our team prioritizes proactive communication and client education
Associations and certifications
- Massachusetts Division of Banks
What people say
Great service
Low rate
Professional
Answered honestly
Recommend to anyone
Services
Mortgage Loans
We provide comprehensive mortgage loan solutions for home purchases, offering conventional loans through Fannie Mae and Freddie Mac programs. Our services include down payment assistance options starting at 1% for primary residences and refinancing opportunities up to 95% loan-to-value ratios. Our experienced team guides clients through the entire mortgage process from pre-approval to closing.
FHA Loans
Specializing in FHA loan programs, we help clients qualify with lower credit scores starting at 600 and minimal down payments of 3.5%. Our experts assist with post-bankruptcy and post-foreclosure requirements, offering specialized guidance for borrowers seeking government-backed mortgage solutions with flexible qualification criteria.
VA Loans
We offer VA loan programs with competitive interest rates and zero down payment options for eligible veterans and service members. Our team assists with understanding VA loan benefits, including seller contributions covering up to 6% of closing costs, ensuring a smooth mortgage process for those who have served.
Refinancing
Our refinancing services help homeowners reduce monthly payments through rate adjustments or term modifications. We provide detailed analysis using refinance calculators that show potential interest savings and break-even points, helping clients determine optimal timing for refinancing their existing mortgages.
203K Loans
We specialize in 203K loan programs for home renovations, offering both streamline and full rehab options. These loans allow borrowers to finance both property purchase and necessary repairs or improvements, providing comprehensive solutions for transforming fixer-upper properties into dream homes.
People
Paul F. Rocha
President
With over 20 years as a loan officer and 10 years leading a multi-state mortgage company, Paul provides expert guidance through complex lending scenarios. He specializes in detailed financial analysis and strategic mortgage planning.
Tammi Thorp
Loan Officer
Tammi brings 10+ years of mortgage industry experience with expertise in loan process communication and client satisfaction. Her strengths include explaining complex mortgage concepts clearly and maintaining proactive client relationships.
Questions
What mortgage loan types do you offer?
We offer conventional loans, FHA loans, VA loans, USDA loans, jumbo loans, 203K rehab loans, and Home Ready programs.
Can I refinance my current mortgage?
Yes, we help homeowners refinance to lower rates, adjust loan terms, or access equity through various refinance programs.
How do I start the mortgage application process?
Begin by using our online calculator to check affordability, then complete our simple application form or contact us directly.
Are you licensed to operate in Massachusetts?
Yes, we are licensed by the Massachusetts Division of Banks with mortgage broker license MB 1120140.
What sets you apart from other mortgage companies?
We offer personalized service with experienced consultants, multiple lender options, and transparent process explanations.
