Home financing in Dukes County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is based inside the Dukes County line. We do not hide that — below are the doors that serve it from the rest of Massachusetts.
Not this lane? Business FinancingPersonal Financing
The doors in Dukes County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- Common Capital, Inc.SBA microlenderCommunity lending · Business capital
- Cooperative Fund of the Northeast, Inc.Community lending · Business capital
- Dorchester Bay Neighborhood Loan Fund, Inc.SBA microlenderCommunity lending · Business capital
- Grow America Fund, Inc.Community lending · Business capital
- NDC Community Impact Loan FundCommunity lending · Business capital
- IN THIS LIST
6 of the 11 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- North Central Massachusetts Development CorporationSBA microlenderCommunity lending · Business capital
- Community Teamwork, Inc.Business capital
- Jobs for Fall River Inc.Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
3 of these doors accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
Dukes County — which includes Martha's Vineyard and the Elizabeth Islands — has one of the most expensive housing markets in Massachusetts, shaped by seasonal tourism, a limited year-round housing supply, and a workforce that earns far less than property values suggest. This guide walks solo contractors, first-time buyers, and small real-estate investors through the financing options that realistically serve this community, with an emphasis on local credit unions, state-backed programs, and ITIN-friendly lenders. Federal programs like FHA and USDA are useful tools, but local intermediaries are the ones who understand the Vineyard's unique market and can help you get across the finish line.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN DUKES COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN DUKES COUNTY →12MA COUNTIES WITH DOORSThe whole stateEvery county in Massachusetts, in this same lane.57 institutions fund home financing inside Massachusetts county lines.OPEN THE STATE →
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