Question 1 of 8
What are you looking to do?
Select the option that best describes your situation.
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Buy a homeFirst purchase or new property
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Refinance my current homeLower rate or cash-out
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Not sure yetJust exploring options
Question 2 of 8
Where are you looking to buy?
Cynthia is licensed in MA and CT — select your area.
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Holyoke, MA
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Springfield, MA
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Chicopee / Westfield, MA
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Other Western MA
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Connecticut
Question 3 of 8
What's your timeline?
When are you hoping to be in your new home?
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ASAP – actively looking
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3–6 months
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6–12 months
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Just exploring
Question 4 of 8
Have you owned a home before?
This affects which programs you qualify for.
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No — I'm a first-time buyerAccess to exclusive programs & grants
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Yes — I've owned beforeRepeat buyer options available
Question 5 of 8
What's your estimated credit score?
No credit pull — this is just an estimate to match you to the right programs.
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580 or belowWe have options — let's talk
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580 – 619FHA eligible range
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620 – 679Conventional & FHA options
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680+Best rates & programs available
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Not sureWe can help you find out
Question 6 of 8
Do you have money saved for a down payment?
Don't worry — $0 down programs exist in this area.
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Yes — 10%+ saved
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Some savings (under 10%)MassHousing DPA may cover the gap
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No savings — need $0 downUSDA & DPA programs available
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Not sure
Question 7 of 8
What's your employment situation?
This helps match you to the right loan type.
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W-2 Employee
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Self-employed1099 / business owner
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Retired
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Other
Question 8 of 8
What's your approximate household income?
Used to match you to income-based assistance programs.
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Under $50,000 / year
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$50,000 – $80,000 / year
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$80,000 – $120,000 / year
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$120,000+ / year
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Prefer not to say
Almost done!
Where should we send your results?
Cynthia will review your answers and reach out within the hour.
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You're all set!
Cynthia will review your answers and call you within the hour to walk through your options.
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Expect a call soon
Cynthia personally reaches out to every new inquiry — usually within 60 minutes during business hours.
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No credit pull — ever
Your first conversation is 100% free and obligation-free. We figure out what you qualify for, then you decide.
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Programs we'll cover
USDA $0 Down · MassHousing $30K DPA · FHA (3.5% down) · Conventional — based on your answers.
📞 Call Cynthia Now — (413) 416-1413
📅 Book a Time on Cynthia's Calendar
Cynthia Rivera | NMLS# 1799407 | Licensed in MA & CT | Equal Housing Opportunity