Buying a home shouldn't feel overwhelming. As your dedicated loan officer, I'll cut through the confusion, find the loan that fits your life, and guide you from your first question all the way to closing day.
From first-time buyers to seasoned investors, I offer a wide range of loan products tailored to your unique financial situation.
Flexible financing for qualified buyers with competitive rates and a variety of down payment options for primary, second, and investment properties.
Government-backed loans ideal for first-time homebuyers with lower credit score requirements and low minimum down payment requirements.
Exclusive benefits for eligible veterans, active-duty service members, and surviving spouses — including no down payment options.
Zero down payment financing for eligible rural and suburban homebuyers backed by the U.S. Department of Agriculture.
Lower your rate, reduce your term, or access home equity with a refinance strategy tailored to your financial goals.
Financing solutions for higher-priced properties that exceed conventional conforming loan limits, with personalized guidance.
Debt Service Coverage Ratio loans for real estate investors — qualify based on property rental income rather than personal income, making it easier to grow your portfolio.
Allow eligible homeowners aged 62+ to convert home equity into tax-free funds with no required monthly mortgage payments — while continuing to live in your home.
Ideal for self-employed borrowers — qualify using 12–24 months of bank statements instead of traditional tax returns, making homeownership accessible for entrepreneurs.
As a licensed Mortgage Loan Officer at Drew Mortgage Associates Inc. in Shrewsbury, MA, I am committed to making the mortgage process as smooth, transparent, and stress-free as possible.
Whether you're purchasing your first home, upgrading to your dream property, or looking to refinance, I work closely with each client to find the right loan solution — not a one-size-fits-all approach.
I believe that every client deserves clear answers, honest advice, and a dedicated advocate in their corner from application to closing.
From cozy starter homes to spacious family properties, I help clients finance the home that fits their life.
Here's what clients say about working with me from first call to closing day.
Raafay made the entire process so easy. As a first-time buyer I had no idea where to start, but he walked me through every single step with patience and clarity. We closed in under 30 days!
I'm self-employed and thought getting a mortgage would be impossible. Raafay found me a bank statement loan and made it happen. I now own the home I always wanted. He's the best in the business.
We refinanced with Raafay and saved over $400 a month. He was always available, answered every question, and explained everything in plain English. I'll never use anyone else.
I guide you through every step of the mortgage process so you always know exactly what's coming next.
We discuss your goals, finances, and timeline to identify the best loan options for your situation.
Receive a pre-approval letter so you can shop for your home with confidence and a clear budget.
I handle the paperwork and coordinate directly with underwriting to keep everything on track.
Sign your final documents, receive your keys, and celebrate becoming a homeowner.
Ready to take the next step? Reach out today for a free, no-obligation consultation.