Below is a list of the states and their requirements for prepay AL Alabama Yes No restrictions None Refinance or saleAK Alaska No N/A N/A N/AAR Arkansas Yes No restrictions None Refinance or saleAZ Arizona Yes No restrictions None Refinance or saleCA California Yes No restrictions None Refinance or saleCO Colorado Yes No restrictions None Refinance or saleCT Connecticut Yes No restrictions None Refinance or saleDC District of Columbia Yes 2 months interest on prepaid amt that exceeds 1/3 of original UPB36 Months Refinance or saleDE Delaware Yes No restrictions None Refinance or saleFL Florida Yes No restrictions None Refinance or saleGA Georgia Yes No restrictions None Refinance or saleHI Hawaii Yes No restrictions None Refinance or saleIA Iowa Yes No restrictions None Refinance or saleID Idaho Yes No restrictions None Refinance or saleIL Illinois Yes No restrictions None Refinance or sale Borrower must be corporation if interest rate is > 8%IN Indiana Yes No restrictions None Refinance or saleKS Kansas Yes No restrictions 6 months Refinance or saleKY Kentucky Yes No restrictions None Refinance or saleLA Louisiana Yes No restrictions None Refinance or saleMA Massachusetts Yes No restrictions 36 Months Refinance or saleMD Maryland Yes No restrictions 36 Months Refinance or saleME Maine Yes No restrictions None Refinance or saleMI Michigan Yes 1% of amount prepaid 36 Months Refinance or saleMN Minnesota Yes Lesser of (i) 2% of UPB or (ii) 60 days of interest 42 Months Refinance only PPP restrictions only apply to loans within conforming limits MO Missouri Yes No restrictions None Refinance or saleMS Mississippi Yes 5% of UPB if prepaid in months 1-124% of UPB if prepaid in months 13-243% of UPB if prepaid in months 25-362% of UPB if prepaid in months 37-481% of UPB if prepaid in months 49-6060 Months Refinance or saleMT Montana Yes No restrictions None Refinance or saleNC North Carolina Yes No restrictions None Refinance or saleND North Dakota Yes No restrictions None Refinance or saleNE Nebraska Yes No restrictions None Refinance or saleNH New Hampshire Yes No restrictions Refinance or saleNJ New Jersey Yes No restrictions None Refinance or sale Borrower must be corporation if interest rate is > 6%NM New Mexico No N/A N/A N/ANV Nevada Yes No restrictions None Refinance or saleNY New York Yes No restrictions None Refinance or saleOH Ohio Yes 1% of original UPB 60 Months Refinance or saleOK Oklahoma Yes No restrictions None Refinance or saleOR Oregon Yes No restrictions None Refinance or salePA Pennsylvania Yes No restrictions None Refinance or sale Not permitted for loans less than base amount ($312,178)RI Rhode Island Yes 1-4 Purchase: 2% during first year only.Otherwise, no restrictionsPurchase: 12 months Refinance: 60 monthsSC South Carolina Yes No restrictions None Refinance or saleSD South Dakota Yes No restrictions None Refinance or saleTN Tennessee Yes No restrictions None Refinance or saleTX Texas Yes No restrictions None Refinance or saleUT Utah Yes No restrictions None Refinance or saleVA Virginia Yes No restrictions None Refinance or saleVT Vermont No N/A N/A N/AWA Washington Yes No restrictions PPP on ARM cannot extend beyond 60 days prior to the initial rate change dateRefinance or saleWI Wisconsin Yes No restrictions None Refinance or sale No PPP permitted on ARMSWV West Virginia Yes No restrictions None Refinance or saleWY Wyoming Yes No restrictions None Refinance or sale

We had done Saturday - Saturday as well for our house in Falmouth, MA.

Hi All, We started working with a real estate attorney in Houston, TX to set up an LLC for our out of state multifamily property (we are located in Massachusetts and the property is in Houston).

Market supply, while low, remains healthier than other markets in Massachusetts and relatively similar to 2023.

Purchase price: $220,000 Sale price: $232,000 Beautiful cosmetic remodel that I wholesaled in Grafton, MA.

Hello all, I'm located in MA.

.- Currently renting an apartment in New York, but planning to relocate to Massachusetts with my wife.- Eyeing areas like Worcester, Shrewsbury, Grafton, and Millbury for a single-family house, priced around $500K, with a planned $100K down payment.

With the addition of 2 kiddos, my family has recently relocated back to MA.

We're both eager to diversify into real estate investments.Although our home base is in New Hampshire, we're open to  investing wherever we can maximize our returns.Primarily interested in multi-family investment properties to leverage our first-time homebuyer loans effectively.Initially, our focus was on purchasing properties in the New England Region (mainly NH & MA).

I have a client whose house is currently worth $500,000 who owes $150,000 on the mortgage who is interested in getting a $250,000 second mortage to use as capital to invest in real estate in Massachusetts area.