Local Experts. Proven Strategies.

Serving North Central Massachusetts with experience you can count on.

Experienced Local Lenders — Right Here at Home

Helping North Central Massachusetts buyers and homeowners win in a competitive market.

Buying or selling a home in North Central Mass isn’t easy — inventory is tight, competition is high, and strong offers matter more than ever. Our local team lives and works in this market, and we specialize in modern financing strategies that help buyers and sellers move forward with confidence.

We don’t believe in one‑size‑fits‑all mortgages. We believe in smart solutions, strong offers, and local guidance you can trust.

Our team understands the local market, the competition, and what it takes to win here. Whether you’re buying your first home, moving up, or investing, we’ll help you choose the right strategy — and guide you every step of the way.

Tell us a bit about your goals, and a member of our North Central Mass team will be in touch to walk through your options.

  • Elisa Cuddy
    • Elisa Cuddy
    • NMLS: 857471
    • 28R Central Street
      Leominster, MA, 01453
    Contact
    Email [email protected]
    Office (603) 696-2406
    Mobile (978) 503-4541
    View Licensed States MA, NH
  • Brieanna Kelley
    Contact
    Email [email protected]
    Office (959) 205-9200
    Mobile (978) 852-6376
    View Licensed States CT, FL, GA, MA, ME, NH, RI, SC, VT
  • Steven Kelley
    • Steven Kelley
    • NMLS: 1605789
    • 28R Central Street
      Leominster, MA, 01453
    Contact
    Email [email protected]
    Office (603) 255-7054
    Mobile (508) 451-1330
    View Licensed States MA, NH
  • Todd Nathan Reeves
    Contact
    Email [email protected]
    Office (978) 233-9845
    Mobile (978) 844-1918
    View Licensed States CT, MA, NH
  • Sophia Tocci-Bell
    Contact
    Email [email protected]
    Office (603) 519-9075
    Mobile (978) 870-7152
    View Licensed States MA, NH
  • Katie Weldon
    • Katie Weldon
    • NMLS: 1094433
    • 977 South Street Unit C
      Fitchburg, MA, 01420
    Contact
    Email [email protected]
    Office (959) 259-1415
    Mobile (978) 751-1934
    View Licensed States CT, FL, MA, NH, RI

Win With Cash‑Backed Offers

Don’t just bid. Win.

In today’s market, cash offers stand out. With Cash2Keys, qualified buyers can submit a cash‑backed offer that helps them compete against investors and all‑cash buyers — without needing all‑cash on hand.

Cash2keys Variantb Standard

Buy Now. Sell Later.

Secure your next home — without rushing the sale.

For move‑up buyers, selling first isn’t always ideal. Our Buy Now, Sell Later solution helps qualified homeowners purchase their next home first, move in, and then sell on their timeline. Designed to reduce stress and missed opportunities, this option removes the home‑sale contingency and keeps deals moving forward.

Cash2keys Varianta Standard

Appraisal Assurance

Protect your deal from last‑minute surprises

Appraisal issues can derail even the strongest contracts. Appraisal Assurance helps qualified buyers remove the appraisal contingency, giving sellers added confidence and keeping transactions on track. This added certainty can be the difference between an accepted offer and a missed opportunity.

Family Get Together

Rate Relief

Buy with confidence — even in a changing rate environment.

Worried about rates after you close? Rate Relief offers qualified buyers added peace of mind by helping protect against future rate improvements. It’s a smart option for buyers who want to move forward now without second‑guessing tomorrow.

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Cash2Keys® Cash2Keys is the registered service mark of Analytical Sciences Marketing Group, LLC. 'Cash Offer’ and 'Buy Now, Sell Later' and 'Cash Bridge' programs are fulfilled by AnnieMac Private Equity Cash2Keys (Cash2Keys), an affiliate of AnnieMac Home Mortgage (AnnieMac). Cash2Keys is not a financial institution and does not originate or issue loan commitments. You must be pre-approved by Cash2Keys for each program's income and collateral requirements. Once approved, the offer and purchase will be in the name of Cash2Keys. You must then purchase the home from Cash2Keys within 180 days. You are required to pay all transfer taxes associated with the purchase of the home. AnnieMac Cash2Keys reduces or eliminates contingencies in the purchase contract. If the buyer does not terminate the agreement under a permitted contract contingency or term, AnnieMac Cash2Keys will purchase the property if the buyer is unable or unwilling to do so. Contract terms that allow a buyer to terminate may include, but are not limited to, contingencies such as septic inspection, home inspection, appraisal, and condominium warrantability. Visit anmac.me/cash for terms and conditions. For complete licensing information, please visit: https://annie-mac.com/licensing/

Flexible Financing for Real‑World Income

These programs focus on cash flow and real income, not just tax returns or W‑2s, helping qualified buyers access opportunities that traditional loans may limit.

  • Non‑QM and investor‑friendly loan options for real estate investors

  • DSCR loans for real estate investors

  • Bank statement loans for self‑employed buyers and business owners.