About Ellen Duncan

As a licensed Homebridge Mortgage Loan Originator in Massachusetts (NMLS #10173), Ellen can assist you with your home loan needs, including:

  • First-time purchase
  • Second-home purchase
  • Refinance
  • FHA and VA loans
  • Conventional loans
  • 203(k) Renovation loans
  • Jumbo loans

Ellen welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Ellen has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Contact Ellen Duncan Anytime

Feel free to contact Ellen anytime by phone or email for personalized service and expert advice. Ellen Duncan will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Ellen Duncan is 203(k) Renovation Lending Certified

Ellen is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.

Ellen Duncan values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Ellen by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.

Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

    Trustpilot
Frantzy D. Aug-18
“My rating has been based upon the wonderful service that I have gotten from Ellen Duncan and especially Emily. Great folks!”
Michael V. Aug-18
“Punctual, responsive and informative. One stop shop.”
Michael V. Aug-18
“Punctual, responsive and informative. One stop shop.”
Frantzy D. Aug-18
“My rating has been based upon the wonderful service that I have gotten from Ellen Duncan and especially Emily. Great folks!”
Frantzy D. August 2018
“My rating has been based upon the wonderful service that I have gotten from Ellen Duncan and especially Emily. Great folks!”
Michael V. August 2018
“Punctual, responsive and informative. One stop shop.”
Frantzy D. August 2018
“My rating has been based upon the wonderful service that I have gotten from Ellen Duncan and especially Emily. Great folks!”
Michael V. August 2018
“Punctual, responsive and informative. One stop shop.”
Alyssa W. March 2018
“Fast, efficient and easy to work with. Good communication.”
Laurene S. November 2017
“Ellen went above and beyond to make this purchase happen. She was accessible day and night.”
James M. October 2017
“Great customer service with competitive rates.”
Ivany S. Everett, MA
I can only thank all of you guys especially Ellen Duncan she had so much patience and care with me all the time. Definily  will recommend to all my family and friends.  ”
Sidney S. Framingham, MA
Ellen Duncan went above and beyond for me! She was always available and made my first time home buying experience pleasant ! I will use her in the future and recommend her to everyone I know Rob smith  ”
Christopher K. Gilmanton, NH
Ellen Duncan was wonderful! She went out of her way to answer our questions and concerns even after hours. for example, we had a hard time getting people to show us homes. We emailed a realtor and didn't hear anything back. We asked Ellen to run the numbers and see if a certain home would work in our budget. 20 minutes later we called the realtor to try to see the home and he was already replying to Ellen's email. It was definitely a great experience having someone as professional and experienced as Ellen working for us. We will definitely recommend her.  ”
Rachel M. Framingham, MA
Ellen was great!  She was very friendly and knowledgeable. Ellen was readily available ..morning, night &I weekends. She always called/emailed back very timely. Being a first time home owner, I had many questions and was new to the process. Ellen really guided and educated me during whole the loan process. She is really on top of her business!!!  ”
Thomas B. Milton, MA
Ellen Duncan was amazing. We had been through an awful experience with a prior lender and it looked like things were going to fall through with our house. Ellen stepped and got the things back on track and we were able to close and now own our first home. Thank you so much.  ”
Shamiah P. Boston, MA
“As a young single woman, the thought of purchasing a multi-family home seemed daunting—never mind one that needed significant renovations. I initially tried working with several banks (both small and large) but I was either deterred by their lack of knowledge or their service. It wasn’t until I was referred to Ellen Duncan that things started to work in my favor.   Ellen was understanding—She understood that purchasing a house is more than just an acquisition of property; it is a personal and monumental accomplishment that should be EXPERIENCED! She understood that my experience of turning a house into my home started with her!   Ellen was knowledgeable—She had a way of explaining a complicated process into the simplest terms. I had done a lot of research on the types of loans available to me; however based on my unique financial and living situation, Ellen and I were able to explore the best option. For me, the best option was a renovation loan. This type of loan allowed me to obtain a “brand new home” at a “fixer-upper” price. My house is still under-going renovations but it is becoming the house I’ve always wanted!   Ellen was incredibly responsive—When you are in a tough housing market and buyers are engaging in bidding wars, speed is key! Ellen, was incredibly responsive (fast and accurate). If I emailed Ellen, I almost always had a response within 1-10 minutes later.   Ellen was a friend—I must have seen over 40 homes, obtained 23 updated pre-approvals, and drafted 2 purchase and sale agreements, before I finally found my home. All along Ellen cheered me on through each disappointment. She assured me that when I saw THE HOUSE, I would know. She reminded me that the market can be tough sometimes but to remain positive. Above all, Ellen assured me that she would be there if I needed anything and she definitely stood by her word. My experience with navigating the housing market was absolutely remarkable and I wouldn’t have been such a wonderful experience without her. Ellen Duncan, thank you so much for helping me achieve my American dream!”

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