Buyers, sellers, and sometimes
even real estate agents get confused with how closing cost credits work.
Closing cost credits are a great
tool to help buyers pay their closing costs and have more money after
closing. This is important because buyers often have lots of expenses
such as making repairs, upgrades, buying furniture, etc. Closing cost
credits don’t hurt the seller in any way. In fact, they help sellers
because many buyers cannot buy without them.
Confusion about Closing Cost Credits
Some buyers think that they will
actually receive money back at closing that they can walk away with for their
own use. That is no longer allowed; around 2009 all mortgage companies
and regulators put a stop to it. Buyers instead can use this money toward
all allowable closing costs such as pre-paid interest, escrows, taxes, etc.
This enables the buyers to bring less money to closing. If the credit covers
the entire closing cost amount then the buyer would only need to bring the down
payment to closing.
Sellers often think THEY are
actually paying the buyer’s closing costs and may even say or think “I am not
paying their closing costs.” Though it may sound that way on the offer, sellers
are actually not paying the closing costs. The buyer just inflates their
price in order to get the credit.
a Typical Closing Cost Credit:
Closing Cost Credit
Net Sale Price
$395,000 (Sellers should pay
attention to this number)
Questions from Buyers and Sellers
Q: What do Buyers typically pay
for closing costs?
Q: What are the typical closing
Typical closing costs range from
1% to 5% of the home’s price.
Q: Why would I still need to bring
money to the closing if I’m getting a closing cost credit from the sellers?
Buyers should understand that
their total closing cost could be more than the credit they requested. At
the time of the offer, it is impossible to determine exactly how much the
closing costs/escrows/prepaid interest, etc. will be on the day of the closing,
because those numbers change based on the exact day of the closing. At
the time of the offer, the closing cost credit is always an estimate of what
the closing costs will be, and you should always take a credit for slightly
less than the amount of the closing costs, because if your credit is too high,
it could result in the seller getting more money, or a delay in the closing.
Q: How much of a closing credit am
I allowed to ask for, is there a limit?
It all depends on the type of
loan. Some loans only allow credits of 2% and some go up to as much as 6%.
Q: Can the credit be put towards the down payment?
No, it cannot. The down
payment needs to come from the buyer.
Q: What do Sellers typically pay
for closing costs?
Q: Why does the buyer need a
closing cost credit? I never had one when I bought.
The closing cost credit simply frees
up money for the buyer. The reason a seller never had one maybe because either
the credits were not available at that time or the purchase price at that time
was much lower.
Q: Does a Seller pay stamp
fee on the offer amount or on the net sale price?
Sellers do pay stamp fees based on
the offer amount. Sellers should remember that the typical stamp fee in
Massachusetts is $4.56 per thousand.
Both Buyers and Sellers
Q: Who is responsible for paying
closing costs and for which fees?
Both buyers and sellers can expect
to pay closing costs.
Q: What if the closing costs
aren’t that much and there’s money left over?
It is very important that the
buyer works with their mortgage broker and buyer’s agent to come as close as
they can with how much of a closing cost credit they will need. It is
actually better to request a credit that is slightly less than the expected amount
so that you don’t have an excessive credit.
If the closing cost credit exceeds
the actual closing costs, technically, the parties would have to do an
amendment to the contract and adjust the purchase price. However, this is
normally so late in the process that all of the paperwork and loan
documentation would need to be adjusted and it could result in a delay in the
closing. Therefore, it is always wise to err on the side of caution and
put a closing cost credit in the offer that is slightly less than what you
think the closing costs will be.
Q: Does the appraisal need to
come in at the offer price or at the net sale price?
The appraisal does need to come in
at the Offer Price. This is usually not an issue.
Q: If the buyers request a credit
after a home inspection, what are the benefits of giving the credit towards
closing costs vs price reduction?
This is another case where sellers
just need to pay attention to the net number (see chart above). Whether the
buyer requests a decrease to the offer price or requests a closing cost credit
really does not matter to the seller. It’s the same either way.
With respect to the buyer, the
benefit of a credit instead of a reduction in the sales price is that it will
allow a buyer to keep cash on hand to do repairs, etc. If a buyer and
seller negotiate a price reduction following the home inspection, it won’t
actually give the buyer money to do the repairs. By doing a credit, the
buyer essentially “puts cash in their pocket” by virtue of the fact that they
are bringing less money to the closing.
Massachusetts License Number Broker MB1498 Dana Bain NMLS #18693 Robin Dunbar Bain NMLS #18699 Licensed by the State of New Hampshire Banking Department- License Number 5430-MBR Premiere Mortgage Services Inc. NMLS #1498 is a licensed broker and not a lender. We arrange but do not make loans.
Stop Wondering What Your Budget Is & Get Pre-Approved!
In many markets across the country, the number of buyers searching for their dream homes outnumbers the number of homes for sale. This has led to a competitive marketplace where buyers often need to stand out. One way to show that you are serious about buying your dream home is to get pre-qualified or pre-approved for a mortgage before starting your search.
Even if you are not in an incredibly competitive market, underst...anding your budget will give you the confidence of knowing whether or not your dream home is within your reach.
Freddie Mac lays out the advantages of pre-approval in the ‘My Home’ section of their website:
“It’s highly recommended that you work with your lender to get pre-approved before you begin house hunting. Pre-approval will tell you how much home you can afford and can help you move faster, and with greater confidence, in competitive markets.”One of the many advantages of working with a local real estate professional is that many have relationships with lenders who will be able to help you through this process. Once you have selected a lender, you will need to fill out their loan application and provide them with important information regarding “your credit, debt, work history, down payment and residential history.”
Freddie Mac describes the ‘4 Cs’ that help determine the amount you will be qualified to borrow:
Capacity: Your current and future ability to make your payments Capital or cash reserves: The money, savings, and investments you have that can be sold quickly for cash Collateral: The home, or type of home, that you would like to purchase Credit: Your history of paying bills and other debts on time Getting pre-approved is one of many steps that will show home sellers that you are serious about buying, and it often helps speed up the process once your offer has been accepted.
Many potential homebuyers overestimate the down payment and credit scores necessary to qualify for a mortgage. If you are ready and willing to buy, you may be pleasantly surprised at your ability to do so today.
Many Consumers Overestimate Mortgage Requirements
With today’s historically low rates, you may be considering buying your first home. Buying a home is the first step most Americans take toward building wealth in the form of home equity. A recent Fannie Mae survey of 3,647 consumers revealed that a staggering number of respondents vastly overestimate what it takes to get a mortgage.
Following the Financial Crisis, lenders across the country imposed more restrictive underwriting standards to avoid a repeat of the irresponsible lending practices that contributed to the recession. However, even with more stringent standards, there are varying degrees of loan programs available to help everyone from first-time home buyers, to move up buyers, to property investors finance their homes responsibly.
From the survey, here are some of the common misconceptions consumers have about qualifying for a mortgage.
53% of survey respondents believed they needed a FICO® credit score of at least 650 just to qualify for a mortgage, when many loan programs are available for credit scores as low as 580. The credit score is just one component of your mortgage application. A lower credit score may just require a larger down payment or mortgage insurance.
40% of survey respondents reported they did not know how much was required for a down payment. Only 23% of respondents were familiar with low down payment options. Respondents commonly reported 10% as the minimum down payment requirement, even though many loan programs, even conventional loan programs, are available with down payments as low as 3%. Government-sponsored loans like the VA Loan and the USDA Loan are available with zero down payment options and financeable closing costs.
Survey respondents were also unfamiliar with debt-to-income ratio requirements. 61% reported they did not know what debt-to-income ratio they needed to qualify. Debt-to-income ratio requirements vary depending on the loan program, and many lenders will work with you to find the right program for your debt-to-income ratio.
Fannie Mae chief economist, Doug Duncan, commented on the survey results, explaining that since a mortgage is an “infrequent transaction” consumers are less familiar with how a mortgage works. He stated, “most buy a house or refinance maybe four to five times in their life.”
Even seasoned real estate investors could benefit from the one-on-one guidance of a mortgage loan officer. Loan officers have to stay up to date with all of the latest regulations and guidelines, and may also know about new loan programs, down payment assistance, and grant options that might not have been available last time you financed a home. If you’re interested in buying a home this year, let me know.
Before you choose a mortgage company, it’s important to ask the right questions. By asking these simple questions, you’ll be able to vet out the good from the bad and find a company that is right for you.
What Types Of Mortgages Do You Offer?
It’s important to understand the types of products that are available to you. Choosing the right product could save you thousands of dollars each year – so it’s important to understand how each could affect your short and long-term payment structure. Programs that offer low-down payments such as Home Ready can be a great option for a first-time home buyer. Other government-backed programs such as FHA or the VA Loan option for service members may also be a great fit for your needs so inquire with your lender as to which products they offer.
What Is Your Annual Percentage Rate (APR)?
The annual percentage rate equals the ‘cost of credit’ that is charged to you over the lifecycle of your loan. It is comprised of your interest rate, plus any additional costs (e.g. pre-paid interest or private mortgage insurance).
It would seem to make sense to choose a mortgage company with the lowest APR, but beware, some companies will offer a low APR, but then tack on hefty fees and service charges later in the process.
When Can I Lock My Interest Rate?
Interest rates are constantly changing. They might even change between application and closing. Mortgage companies give you the option of locking in your rate a certain number of days before your closing date. It’s typically a standard 30 days, but it’s important to ask each mortgage company individually, as some can offer extensions. Also, ask if there are any fees to lock, usually the amount is refundable at closing.
How Much Do You Charge For Origination Fees?
Many times mortgage companies will offer low APRs, but will make up for it by charging higher origination fees. Be sure to ask each mortgage company about the origination fee to ensure you’re aware of the total costs.
How Much Would You Charge For Closing Costs?
Lenders will vary in the amount they will charge for closing. Be sure to look at all closing costs, so you can compare total costs between companies.
How Can I Get Pre-Approved?
If you are considering shopping for a home you will want to start off with obtaining a pre-approval letter. When you get pre-approved for a mortgage, it shows the real estate agent you want to work with as well as the seller of the home that you are a serious buyer and that a lender has looked closely at your credit reports, your employment history, and your income. That lender can also help you determine which loan programs you qualify for, the maximum amount you can borrow, and the interest rates you will be offered before you start your shopping process so that you know exactly what you’re able to purchase.
Are You Offering Any Closing Incentives?
The offering of closing incentives used to be prevalent in the mortgage industry.
Now, due to stricter regulations – these incentives are hard to find. But, it doesn’t hurt to ask about incentives, but keep in mind that you should always confirm that you aren’t paying for the incentive in the long run through a rate increase.
Ready to learn more about the mortgage process? Premiere Mortgage is happy to help you get started on your pre-approval or you can give one of our homebuying experts a call. We would be happy to answer any questions you may have.
For all your Home Financing NeedsPurchase Mortgages - Refinance Mortgages Great Low Rates. See Todays Rates At http://www.bainmortgage.com/RateSheet
The Year Ahead
The future of the economy will continue to be debated. There is no certainty in predictions but the recent data, Fed statements, and Fed action clearly signal continued signs of improvement. The biggest concern recently has been the extreme stock volatility. Stocks took a beating in the months prior to the Christmas Holiday only to bounce back over 1000 points the day after. Continued volatility will do little to ease investor fears.
Recent analysis of Fed statements and projections predicts fewer rate hikes in 2019 but doesn’t remove them completely. Many analysts calculate there will only 2 hikes in 2019 as opposed to predictions a few months ago of 3 or more. The effect on the housing sector, which remains a vital part of the economy, remains uncertain. However, the last thing the housing market needs is higher rates.
What we can be certain of is the likeliness that mortgage interest rates will become volatile as we get closer to the next Fed rate hike. Historically, mortgage interest rates seem to improve slowly. In contrast, when rates increase, they often do so quickly and furiously. One negative day often erases a week of positive improvements.
The Fed isn’t the only player in the financial markets and there are many others buying and selling securities. Remember that the Fed does not directly dictate that mortgage interest rates will be at a certain rate. Rates are determined by the supply and demand for mortgage-backed securities and can change rapidly hour to hour. Now is a great time to take advantage of mortgage interest rates at these still favorable levels and avoid exposure to future market volatility.
2018 Has been a great year with new products and increased loan limits! This has allowed us to help more clients with these changes. Also with Speed to Respond as one of our core values we ensure clients and agents are informed in a timely manner and transactions close on time. We are looking forward to a successful 2019!
Here's Wishing you A Very Happy New Year!
Dana Bain & Robin Dunbar Bain
Mortgage rates held on to their recent improvements today after the important Employment Situation (the big "jobs report") showed November job creation was lower than expected. In general, weaker job creation is good for interest rates because it speaks to slower economic growth and inflation (both of which are enemies of rates). This report was particularly important because a strong result would have cast doubt on several speeches from members of the Federal Reserve. Those speeches have warned about slower economic growth in 2019 and the potential for fewer rate hikes than previously anticipated.
There were no clear winners or losers at first--probably because job creation is still historically solid. Additionally, the unemployment rate remained ultra low, and wage growth remained above 3.0% on an annual basis. Markets were indecisive at first, but stocks and bond yields eventually began to move lower. Multiple mortgage lenders offered small improvements on rate sheets in the afternoon, after the bond market gained enough ground. Today's mortgage rates are the lowest in months and current trends are about as strong as they've been in more than a year.
The Federal Housing Finance Agency today said that it will raise the maximum conforming loan limits for mortgages Fannie Mae and Freddie Mac purchase in 2019 from $453,100 to $484,350. The announcement marks the third time FHFA has increased the baseline loan limit since 2006.
In high-cost areas, such as Los Angeles, New York, San Francisco and Washington, D.C., the maximum loan limit will be $726,525, which is 150 percent of $484,350. Meanwhile, limits will rise in all but 47 counties in the country.
Our team at Premiere Mortgage prides itself on helping first time home buyers understand the home buying process.
First time home buyer tips come in all shapes and sizes. From little tricks of the trade related to the mortgage process to insider information on selecting a real estate agent, there surely is no shortage of guidance available to a first time home buyer.
But much of this important information is fragmented – meaning a first time home buyer must look in many places to get the information they need throughout the home buying process. This lengthy and often convoluted research process can deter a first time home buyer from starting the home buying process.
Well, look no further. Our team of experienced brokers at Premiere Mortgage have put together a detailed compilation of some of the best first time home buyer tips available. It is our hope that a first time home buyer who follows some or all of these surefire tips will be better prepared for their first home buying experience.Welcome to Premiere Mortgage Services, Inc., where you’ll find the best mortgage rates and a loan program that's best for you. We’re Robin and Dana Bain, and we provide Massachusetts and New Hampshire mortgage loans for home purchases and refinancing. Dana Bain has been originating mortgage loans for over 30 years and we treat our clients like family.
Mortgage bond prices finished the week near unchanged despite some sharp swings throughout the week. Rates fell slightly the first portion of the week amid no data and a strong stock selloff. Many of the improvements were erased Wednesday afternoon and Thursday morning as stocks recovered some of the earlier losses. Durable goods orders rose 0.8%. Analysts expected a 1% decrease. Weekly jobless claims were 215K, expected 214K. Continuing claims were 1.636M vs the 1.653M expected. Gross domestic product rose 3.5% versus the expected 3.3% increase. Consumer sentiment was 98.6 versus the expected 99. Stocks sold off again Friday morning. Mortgage interest rates finished the week unchanged to better by 1/8 of a discount point.
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A Sure Thing
Timing is one of the most important factors in success. Unfortunately, knowing the perfect time to lock in a loan is impossible until after the fact. While analysts constantly try to predict the future, the bottom line is they continually fall short in terms of accuracy. The Fed is a prime example of this. They constantly adjust inflation expectations and rate hikes accordingly. Mortgage rates remain historically favorable and are a sure thing. Floating is risky.
Hamden County Agawam 01001, Blanford 01008, Bondsville 01009, Brimfield 01010, Chester 01011, Chicopee 01013, Chicopee 01014, Chicopee 01020, Chicopee 01021, Chicopee 01022, East Longmeadow 01028, Feeding Hills 01030, Granville 01034, Hampden 01036, Holyoke 01040, Holyoke 01041, Ludlow 01056, Monson 01057, Palmer 01069, Russell 01071, Southwick 01077, Thorndike 01079, Three Rivers 01080, Wales 01081, Westfield 01085, Westfield 01086, Wilbraham 01095, Woronoco 01097, Springfield 01101, Springfield 01102, Springfield 01103, Springfield 01104, Springfield 01105, Springfield 01106, Longmeadow 01107, Springfield 01108, Springfield 01109, Springfield 01111, Springfield 01115, Longmeadow 01116, Springfield 01118, Springfield 01119, Springfield 01128, Springfield 01129, Springfield 01138, Springfield 01139, Springfield 01144, Indian Orchard 01151, Springfield 01152, Springfield 01199, Holland 01521, West Springfield 01089, West Springfield 01090,
Middlesex County Ashby 01431, Ayer 01432, Devens 01434, Groton 01450, Littleton 01460, Pepperell 01463, Shirley, 01464, Townsend 01469, Groton 01470, Groton 01471, West Groton, 01472, West Townsend 01474, Framingham 01701, Framingham 01702, Framingham 01703, Framingham 01704, Framingham 01705, Acton 01718, Boxborough 01719, Acton 01720, Ashland 01721, Bedford 01730, Hanscom AFB 01731, Carlisle 01741, Concord 01742, Holliston 01746, Hopkinton 01748, Hudson 01749, Marlborough 01752, Maynard 01754, Natick 01760, Sherborn 01770, Lincoln 01773, Stow 01775, Sudbury 01776, Wayland 01778, Woodville 01784, Woburn 01801, Burlington 01803, Burlington 01805, Woburn 01813, Woburn 01815, Billerica 01821, Billerica 01822, Chelmsford 01824, Dracut 01826, Dunstable 01827, Lowell 01850, Lowell 01851, Lowell 01852, Lowell 01853, Lowell 01854, North Billerica 01862, North Chelmsford 01863, North Reading 01864, Nutting Lake 01865, Pinehurst 01866, Reading 01867, Tewksbury 01876, Tyngsboro 01879, Wakefield 01880, Westford 01886, Wilmington 01886, Woburn 01888, North Reading 01889, Winchester 01890, Cambridge 02138, Cambridge 02139, Cambridge 02140, Cambridge 02141, Cambridge 02142, Somerville 02143, Somerville 02144, Somerville 02145, Malden 02148, Everett 02149, Medford 02153, Medford 02155, West Medford 02156, Melrose 02176, Stoneham 02180, Cambridge 02238, Waltham 02451, Waltham 02452, Waltham 02453, Waltham 02454, North Waltham 02455, New Town 02456, Newton 02458, Newton Center 02459, Newtonville 02460, Newton Highlands 02461, Newton Lower Falls 02462, Newton Upper Falls 02464, West Newton 02465, Auburndale 02466, Chestnut Hill 02467, Waban 02468, Watertown 02471, Watertown 02472, Arlington 02474, Arlington Heights 02475, Arlington 02476, Watertown 02477, Belmont 02478, Waverley 02479, Weston 02493, Nonantum 02532, Lexington 02420, Lexington 02421
Essex County Andover 01899, Lynn 01901, Lynn 01902, Lynn 01903, Lynn 01904, Lynn 01905, Saugus 01906, Swampscott 01907, Nahant 01908, Lynn 01910, Amesbury 01913, Beverly 01915, Boxford, 01921, Byfield 01922, Danvers 01923, Essex 01929, Gloucester 01930, Gloucester 01931, Hamilton 01936, Hawthorne 01937, Ipswich 01938, Lynnfield 01940, Manchester 01944, Marblehead 01945, Middleton 01949, Newburyport 01950, Newbury 01951, Salisbury 01952, Peabody 01960, Peabody 01961, Prides Crossing 01965, Rockport 01966, Rowley 01969, Salem 01970, Salem 01971, South Hamilton 01982, Topsfield 01983, Wenham 01984, West Newbury 01985, Andover 01810, Andover 01812, Haverhill 01830, Haverhill 01831, Haverhill 01832, Georgetown 01833, Groveland 01834, Haverhill 01835, Lawrence 01840, Lawrence 01841, Lawrence 01842, Lawrence 01843, Methuen 01844, North Andover 01845, Merrimac 01860, West Boxford 01885, Andover 05501,
Norfolk County Bellingham 02019, Canton 02020, Cohasset 02025, Dedham 02026, Dover 02030, East Walpole 02032, Foxboro 02035, Franklin 02038, Medfield 02052, Medway 02053, Millis 02054, Norfolk 02056, Norwood 02062, Sharon 02067, Sheldonville 02070, South Walpole 02071, Stoughton 02072, Walpole 02081, Westwood 02090, Wrentham 02093, Quincy 02169, Quincy 02170, Quincy 02171, Braintree 02184, Braintree 02185, Milton 02186, Milton Village 02187, Weymouth 02188, East Weymouth 02189, South Weymouth 02190, North Weymouth 02191, Avon 02322, Holbrook 02343, Randolph 02368, Brookline 02445, Brookline 02446, Brookline Village 02447, Babson Park 02457, Wellesley Hills 02481, Wellesley 02482, Needham 02492, Needham Heights 02494,
Worcester County Barre 01005, Hardwick 01037, Oakham 01068, South Barre 01074, Warren 01083, West Warren 01092, Wheelwright 01094, Athol 01331, Petersham 01366, Royalston 01368, Fitchburg 01420, Ashburnham 01430, Baldwinville 01436, East Templeton 01438, Gardner 01440, Westminster 01441, Harvard 01451, Hubbardston 01452, Leominster 01453, Lunenburg 01462, Still River 01467, Templeton 01468, Winchendon 01475, Auburn 01501, Berlin 01503, Blackstone 01504, Boylston 01505, Brookfield 01506, Charlton 01507, Charlton City 01508, Charlton Depot 01509, Clinton 01510, East Brookfield 01515, Douglas 01516, Fiskdale 01518, Grafton 01519, Holden 01520, Jefferson 01522, Lancaster 01523, Leicester 01524, Linwood 01525, Manchaug 01526, Millbury 01527, Millville 01529, New Braintree 01531, Northborough 01532, Northbridge 01534, North Brookfield 01535, North Grafton 01536, North Oxford 01537, North Uxbridge 01538, Oxford 01540, Princeton 01541, Rochdale 01542, Rutland 01543, Shrewsbury 01545, Southbridge 01550, South Grafton 01560, Spencer 01562, Sterling 01564, Sturbridge 01566, Upton 01568, Uxbridge 01569, Webster 01570, Dudley 01571, Westborough 01581, West Boylston 01583, West Brookfield 01585, West Millbury 01586, Whitinsville 01588, Sutton 01590, Worcester 01601, Worcester 01602, Worcester 01603, Worcester 01604, Worcester 01605, Worcester 01606, Worcester 01607, Worcester 01608, Worcester 01609, Worcester 01610, Worcester 01611, Worcester 01612, Worcester 01613, Worcester 01614, Worcester 01615, Worcester 01653, Worcester 01655, Bolton 01740, Fayville 01745, Hopedale 01747, Mendon 01756, Milford 01757, Southborough 01772, Plainville 02762, Gilbertville 01031,
Suffolk County Boston 02108, Boston 02109, Boston 02110, Boston 02111, Boston 02112, Boston 02113, Boston 02114, Boston 02115, Boston 02116, Boston 02117, Boston 02118, Roxbury 02119, Roxbury Crossing 02120, Dorchester 02121, Dorchester 02122, Boston, 02123, Dorchester Center 02124, Dorchester 02125, Mattapan 02126, South Boston, 02127, East Boston 02128, Charlestown 02129, Jamaica Plain 02130, Roslindale 02131, West Roxbury 02132, Boston 02133, Allston 02134, Brighton 02135, Hyde Park 02136, Readville 02137, Chelsea 02150, Revere 02151, Winthrop 02152, Boston 02163, Boston 02196, Boston 02199, Boston 02201, Boston 02203, Boston 02204, Boston 02205, Boston 02206, Boston, 02210, Boston 02211, Boston 02212, Boston 02215, Boston, 02217, Boston 02222, Boston 02241, Boston 02266, Boston 02269, Boston 02283, Boston 02284, Boston 02293, Boston 02297, Boston 02298,
Plymouth County Brockton 02301, Brockton 02302, Brockton 02303, Brockton 02304, Brockton 02305, Bridgewater 02324, Bridgewater 02325, Bryantville 02327, Carver 02330, Duxbury 02331, Duxbury 02332, East Bridgewater 02333, Elmwood 02337, Halifax 02338, Hanover 02339, Hanson 02341, Middleboro 02344, Manomet 02345, Middleboro 02346, Lakeville 02347, Lakeville 02348, Middleboro 02349, Monponsett 02350, Abington 02351, North Carver 02355, North Pembroke 02358, Pembroke 02359, Plymouth 02360, Plymouth 02361, Plymouth 02362, Kingston 02364, South Carver 02366, Plympton 02367, Rockland 02370, West Bridgewater 02379, White Horse Beach 02381, Whitman 02382, East Wareham 02538, Onset 02558, Wareham 02571, West Wareham 02576, Marion 02738, Mattapoisett 02739, Rochester 02770, Accord 02018, Brant Rock 02020, Greenbush 02040, Green Harbor 02041, Hingham 02043, Hingham 02044, Hull 02045, Humarock 02047, Marshfield 02050, Marshfield Hills 02051, Minot 02055, North Marshfield 02059, North Scituate 02060, Norwell 02061, Ocean Bluff 02065, Scituate 02066,
Bristol County Mansfield 02048, Easton 02334, North Easton 02356, North Easton 02357, South Easton 02375, Assonet 02702, Attleboro 02703, Chartley 02712, Dartmouth 02714, Dighton 02715, East Freetown 02717, East Taunton 02718, Fairhaven 02719, Fall River 02720, Fall River 02721, Fall River 02722, Fall River 02724, Somerset 02725, Somerset 02726, New Bedford 02740, New Bedford 02741, New Bedford 02742, Acushnet 02743, New Bedford 02744, New Bedford 02745, New Bedford 02746, North Dartmouth 02747, South Dartmouth 02748, North Attleboro 02760, North Attleboro 02761, Attleboro Falls 02763, North Dighton 02764, Norton 02766, Raynham 02767, Raynham Center 02768, Rehoboth 02769, Seekonk 02771, Swansea 02777, Berkley 02779, Taunton 02780, Westport 02790, Westport Point 02791,
Dukes County Cuttyhunk 02713, Chillmark 02535, Edgartown 02539, Menemsha 02552, Oak Bluffs 02557, Vineyard Haven 02568, West Tisbury 02575,
Barnstable County Buzzards Bay 02532, Cataumet 02534, East Falmouth 02536, East Sandwich 02537, Falmouth 02540, Falmouth 02541, Buzzards Bay 02542, Woods Hole 02543, Monument Beach 02553, North Falmouth 02556, Pocasset 02559, Sagamore 02561, Sagamore Beach 02562, Sandwich 02563, West Falmouth 02574, Hyannis 02601, Barnstable 02630, Brewster 02631, Centerville 02632, Chatham 02633, Centerville 02634, Cotuit 02635, Cummaquid 02637, Dennis 02638, Dennis Port, 02639, East Dennis 02641, Eastham 02642, East Orleans 02643, Forestdale 02644, Harwich 02645, Harwich Port 02646, Hyannis Port 02647, Marstons Mills 02648, Mashpee 02649, North Chatham 02650, North Eastham 02651, North Truro 02652, Orleans 02653, Osterville 02655, Provincetown 02657, South Chatham 02659, South Dennis 02660, South Harwich 02661, South Orleans 02662, South Wellfleet 02663, South Yarmouth 02664, Truro 02666, Wellfleet 02667, West Barnstable 02668, West Chatham 02669, West Dennis 02670, West Harwich 02671, West Hyannisport 02672, West Yarmouth 02673, Yarmouth Port 02675,
Nantucket County Nantucket 02554, Siasconset 02564, Nantucket 02584,
Hampshire County Amherst 01002, Amherst 01003, Amherst 01004, Belchertown 01007, Chesterfield 01012, Cummington 01026, Easthampton 01027, Goshen 01032, Granby 01033, Hadley 01035, Hatfield 01038, Haydenville 01039, Huntington 01050, Leeds 01053, North Amherst 01059, Northampton 01060, Northampton 01061, Florence 01062, Northampton 01062, Northampton 01063, North Hatfield 01066, Plainfield 01070, Southampton 01073, South Hadley 01075, Ware 01082, West Chesterfield 01084, West Hatfield 01088, Williamsburg01096, Worthington 01098, Middlefield 01243,
Franklin County Leverett 01054, Shutesbury 01072, Whately 01093, Greenfield 01301, Greenfield 01302, Ashfield 01330, Bernardston 01337, Buckland 01338, Charlemont 01339, Colrain 01340, Conway 01341, Deerfield 01342, Erving 01344, Heath 01346, Lake Pleasant 01347, Millers Falls 01349, Monroe Bridge 01350, Montague 01351, Gill 01354, New Salem 01355, Northfield 01360, Orange 01364, Rowe 01367, Shelburne Falls 01370, South Deerfield 01373, Sunderland 01375, Turners Falls 01376, Warwick 01378, Wendell 01379, Wendell Depot 01380,
Berkshire County Pittsfield 01201, Pittsfield 01202, Pittsfield 01203, Adams 01220, Ashley Falls 01222, Becket 01223, Berkshire 01224, Cheshire 01225, Dalton 01226, Glendale 01229, Great Barrington 01230, Hinsdale 01235, Housatonic 01236, Lanesborough 01237, Lee 01238, Lenox 01240, Lenox Date 01242, Mill River 01244, Monterey 01245, North Adams 01247, North Egremont 01252, Otis 01253, Richmond 01254, Sandisfield 01255, Savoy 01256, Sheffield 01257, South Egremont 01258, Southfield 01259, South Lee 01260, Stockbridge 01262, Stockbridge 01263, Tyringham 01264, West Stockbridge 01266, Williamstown 01267, Windsor 01270, Drury 01343, East Otis 01029,