How to Purchase a Home with Lower Than Average Income
Advice and key information from our our experienced team of real estate and mortgage professionals.

Get Your Home Buyer Guide
We're often asked if it’s possible to buy a home with a lower-than-average income. Our team put together a guide that answers this question with a firm “yes!”
There’s a bounty of resources that buyers with limited incomes can use to find and afford housing.
We have collected information about all the best options in one simple resource.
As a bonus, we added specific tips that home hunters can use to financially prepare for a mortgage.
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OUR REALTORS
Meet Jim Armstrong — North Shore MA Realtor & Real Estate Expert
I’m Jim Armstrong, a lifelong North Shore resident and the leader of the Armstrong Field Group at ALUXETY Real Estate. My connection to this area runs deep. Born in Chicopee, my family moved to Danvers in 1961, and I spent more than 30 years living in Salem before settling in Beverly—giving me firsthand knowledge of the communities, neighborhoods, and market trends that shape North Shore Massachusetts real estate.
A Career Built on Local Expertise & Client Service
I earned my Massachusetts real estate license in 2000 and quickly discovered my passion for helping people navigate the real estate market. Within two years, I became one of Salem’s top three Realtors® and was promoted to manage the Salem office of Vernon A. Martin, Inc.
Real estate is part of my family’s heritage. My grandmother, Lilienne Field, was one of Salem’s most respected Realtors® from the 1940s through the 1970s. Following her example, I founded Armstrong Field Real Estate, which I successfully operated for 19 years before merging with ALUXETY Real Estate to expand our services across Massachusetts, New Hampshire, and Maine.
My Philosophy as a Beverly & North Shore Real Estate Professional
I believe real estate is about relationships—not just transactions. Clients choose me for exceptional customer service, hyper-local market knowledge, strong negotiation skills, and a marketing strategy that consistently delivers results. Whether you’re buying a starter home, relocating to the North Shore, or selling a luxury waterfront estate, I ensure a smooth, strategic, and rewarding experience from start to finish.
Specialties & North Shore Real Estate Expertise
I work with buyers and sellers throughout Essex, Suffolk, and Middlesex counties, specializing in:
- Luxury homes on the North Shore
- Waterfront and oceanfront properties
- Historic homes and antique properties
- Estate sales, probate real estate, and family transitions
Subdivisions, new construction, and condominium developments
Small business marketing and commercial sales
Through the Armstrong Field Group at ALUXETY Real Estate, my team and I offer a collaborative, seven-days-a-week approach that provides unmatched communication, strategic guidance, and consistent results.
Real Estate Education & Training
Beyond helping clients, I’m also a licensed Massachusetts real estate instructor. I enjoy teaching new and aspiring agents how to succeed in today’s competitive real estate market—sharing the same skills, strategies, and insights that have helped me build a long-standing North Shore real estate career.
Allow me to introduce myself
With a passion for helping others and a keen eye for real estate, I've been dedicated to guiding clients through their home buying and selling journeys since 2016. I pride myself on my honesty, integrity, and commitment to providing exceptional service.
Throughout my career, I've continuously sought to expand my knowledge and skills through ongoing education. I believe that learning is a lifelong process, and I'm always eager to stay up-to-date on the latest market trends and industry best practices.
I'm an active member of my community and enjoy building strong relationships with the people I meet. Whether you're a first-time homebuyer or a seasoned investor, I'm here to listen to your needs and help you achieve your real estate goals.
Let's work together to find your perfect home. Contact me today for a consultation.




