A co-applicant's income and financial status are added together with the primary applicant to provide the basis for qualifying for a loan. For instance, while a marriage contract already provides co-ownership of a home, one applicant can sign the loan and the property is still shared.
This list does not include the American Bison and Caribou, which have been reported archaeologically, but disappeared after European settlers came to the state. It also does not include the Fox Squirrel, which only occurs accidentally. The Atlantic right whale is the state marine mammal of Massachusetts.
Essex & Manchester-by-the-Sea. Lighthouse on Cape Ann's Annisquam River. Cape Ann is Massachusetts' other cape, less famous and much smaller than Cape Cod, but no less interesting. This promontory of land just 30 miles northeast of Boston includes the city of Gloucester and the towns of Rockport, Essex and Manchester-by-the-Sea.