My 11th Pan Mass Challenge

Team Lick Cancer riding in formation on Cape Cod

11th Pan Mass Challenge 

I ride for a reason and I ride for a cause and because of this,  I ride with No Pain, I Ride in the cold, I ride in the rain, I ride for hours upon hours so that I can help those who can’t ride.

This will be my 11th year riding in the Pan Mass Challenge.   It comes with great reward as I am building friendships and raising money for a worthy cause…cancer research.  It also comes with great heart ache.  The more friends and family I meet in the PMC, I unfortunately more and more that are battling cancer.  Charlotte who was only 6 years old and fought a long hard 4 year battle.  Charlotte had an aggressive brain tumor known as atypical teratoid rhabdoid tumor (AT/RT). Despite treatment after treatment, trips into Boston on a daily basis, experimental medicine and everything some of the best doctors in the world could do for her; it was just not enough.  While enduring all of this, Charlotte taught us all how to live and to enjoy life to the fullest.  She never stopped being a kid!!!  My thoughts and prayers will always be with this special little girl who touched so many of our lives.  I must ride on, I must raise money, I am fighting cancer!!  DONATE

Our team is growing every year as we will have over  160 members riding in this year’s PMC.  Our team will raise over 1 Million Dollars this year alone.


The Pan Mass Challenge is exactly that….a challenge.   Anyone that knows me knows that I am not built for speed. But I knew in my heart that I could do something like this especially for a great cause. I train for months to be in shape to ride the 192 miles from Sturbridge to Provincetown…riding to work a few days and taking long rides on the weekends. But there is something that I can never train for…the arrival day in Sturbridge.  The opening ceremony of the PMC, the stories of cancer survivors, the families involved and especially the Kids that are affected.  To hear and see what people with cancer must go through, gives me all the motivation I need to ride 192 miles in the middle of August.  DONATE NOW

As I ride along the 192 mile route, I see families lined up on every street holding up signs thanking me.  Never in my wildest dreams did I expect this; to be thanked for riding for them.  They stand there holding signs, playing music and yelling to cheer me and my teammates on…it is such a motivating emotional sight to behold.  A sight that makes me tear up just thinking about it.  I know that my feelings are nothing compared to what these kids and families experience as they go through treatments.  It is for them that I ride.  I am officially a Pan Mass rider for LIFE!       I need your help to aid in the continued research for finding a cure for this deadly disease.   Will you help me raise money for this fight?


Thank you for your continued support!!!!  Bill Nickerson

Click here to DONATE

seacoast ride

3% Down and No Mortgage Insurance on 2, 3 and 4 Family Homes

Mortgage QuestionsWith the announcement from Fannie Mae of increased loan limits for 2019. Not only are the Fannie Mae loans benefiting, so are the MassHousing loans!  Did you know that Mass Housing (MHFA) loans are a safe and affordable alternative to FHA Mortgages.  Did you know the Mortgage Insurance for FHA never goes away!  Mass Housing still offers its mortgage program that features Low Down Payments, as little as 3% down with No Mortgage Insurance!  This product provides financing (purchase or refinance) up to 97% of the appraised value of the home without the hefty mortgage insurance payments that are typically associated with low down payment programs. MHFA follows Fannie Mae Guidelines, which means the traditional loan limit is $484,1350!Percent Down

This special program is available for owner occupied; one to four family properties including condominiums on both purchase and refinance transactions. With a low fixed rate, the down payment can be a gift on single family homes.  The MassHousing Mortgage with No Mortgage Insurance is a great choice for low and moderate income home buyers.

The 2019 Fannie Mae Loan Limits

  • 1 Family Loan Amount of $484,350
  • 2 Family Loan Amount of $620,200
  • 3 Family Loan Amount of $749,650
  • 4 Family Loan Amount of $931,600

Features of the Mass Housing Loans for 1 to 4 family homes

  • As little as 3% down on single-family homes and condos
  • As little as 5% down on 2, 3 and 4-family homes
    • 3 and 4 Family require 700 Credit Score
  • No mortgage insurance required
  • Income limits as high as $123,660 in many cities and towns
  • Fannie Mae loan limits apply, borrower up to $484,350
  • Approved community second mortgages allowed
  • Credit scores as low as 660 (additional conditions may apply)


  • Gift funds can be the source of the down payment on single family homes
  • The interest rate will never increase
  • Competitive fixed rates
  • Safe, fixed-rate limited cash-out refinance option


Call me to learn why this innovative program is an attractive alternative to an FHA mortgage!  Remember, this program allows for the same low down payment options as FHA with no mortgage insurance. 

Bill Nickerson