Direct Lender
GMCC is a licensed direct lender with in-house underwriting and funding — shorter timelines, faster communication, and greater flexibility throughout the process.
New England Mortgage One-Stop Specialists
GMCC Massachusetts Branch serves families across Boston and the New England region. Direct lender, in-house underwriting — from first-time home purchases to large investment properties, we tailor the right loan program to every client.
✓ Direct Lender
✓ Bilingual Service
✓ Multi-State Licensed
✓ NMLS# 2613167
49
Licensed States
15+
Loan Products
10 Days
Fastest Closing
EN/中
Bilingual Service
Our Advantages
Why Choose GMCC
As the New England branch of GMCC (General Mortgage Capital Corp.), we combine the strength of a nationwide direct lender with attentive, locally based service tailored to Boston-area families.
10-Day Fast Close
Our signature AMAZING program can close in as little as 10 business days, helping clients win offers in highly competitive housing markets.
Non-Traditional Income OK
Self-employed owners, cash-business operators, foreign nationals, and investors — Non-QM and Bank Statement programs cover non-standard income profiles.
Loans Up to $10M
Jumbo programs support single-unit loan amounts up to $10 million; 80% LTV financing reaches $1.5M for high-net-worth buyers.
Flexible Qualifying
Apply with 12–24 months of bank statements up to $4M; credit scores from 660+ are eligible — broader access than traditional underwriting.
English & Chinese Service
From first call to funding, our bilingual specialists walk every client through contracts, rates, and timelines in the language they prefer.
Loan Products
Programs for Every Borrower
Whether you are buying your first home, financing a high-value property, running a self-employed business, or investing from overseas — there is a loan program built for you.
First-Time Buyers
Conventional / FHA / VA
Fixed or adjustable Conventional rates, low down-payment FHA, zero-down VA loans — the classic mortgage choices.
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High-Value Buyers
Jumbo Loans
AMAZING Jumbo Program: 20% down, 680 credit score, up to $1.5M; THUNDER Jumbo extends coverage to $10M.
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Self-Employed / Flexible
Non-QM Loans
No W-2 or tax returns required — qualify with bank deposits or asset value. Perfect for self-employed borrowers and cash businesses.
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Self-Employed Friendly
Bank Statement Loans
Apply with 12–24 months of bank statements, up to $4M loan amount — the preferred financing option for self-employed business owners.
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Foreign Nationals
Foreign National Loans
Foreign passports and B/F/H visas are eligible. We accept overseas income and assets with flexible documentation.
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Investment Property
DSCR Investment Loans + More
DSCR investment loans evaluated by rental coverage of debt service, plus our complete program lineup in one place.
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About Us
A Team You Can Trust
GMCC Massachusetts Branch is led by Vivian Wan (NMLS# 337710), based in Newton, serving Greater Boston and the New England Chinese community. Our team understands every concern that immigrant families face when buying property in the U.S. — language, culture, paperwork, terms — and explains them all in the way you find clearest.
- A local office where you can sit down face-to-face
- GMCC's nationwide network with competitive rates and a full product line
- Bilingual service with line-by-line contract review
- End-to-end follow-through with proactive milestone updates
How It Works
Four Steps to Your Mortgage
From the first call to closing, every step is handled by a dedicated specialist — making a complex process feel clear and under control.
1
Free Consultation
Call or visit our Newton office. We learn about your homeownership goals and budget, then match the right loan products.
2
Pre-Approval Letter
Submit basic documents and receive a Pre-Approval Letter within 24–48 hours — strengthening your offer in any bidding war.
3
Lock Your Rate
Once your purchase contract is signed, we lock the rate and submit the formal application — appraisal, title, and insurance handled together.
4
Sign & Close
After underwriting approval we coordinate the closing, fund into escrow, and you walk away with the keys to your home.