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First-Time Home Buyer Programs

Welcome to the neighborhood.

How to get from here to there.

Mass Housing Finance Agency (MHFA)

Solutions for modest incomes.

This provides first-time homebuyer loans and down payment assistance.

Lift Up & Equity Builder Programs (EBP)

Help from start to finish.

Take advantage of first-time homebuyer grant funds for down payment and closing cost assistance.

Mass Housing Partnership/One Mortgage (MHP)

Stability & reduced requirements.

The bar is lowered with this first-time homebuyer loan and down payment assistance program.

The five steps to buying your home.

Learn about the whole process. We’re here to help make it happen.

1.

Pre-Qualify for a Loan

  • Research the best loans
  • Determine your budget range
  • Meet your mortgage lender
2.

Locate a Good Agent

  • Find someone you can trust
  • Ask around for recommendations
  • Chemistry matters
3.

Gain Loan Pre-Approval

  • This gives you confidence
  • You’ll have a spending range
  • Less worry, easier shopping
4.

Look for Your Perfect Property

  • Decide locations, needs, must-haves
  • Search online
  • Attend open houses
  • Work with your agent
5.

Time to Buy

Now you move into escrow – money held by a third party

  • Present your loan forms
  • Get home inspected by a reputable firm
  • Receive final loan approval
  • Three days before closing, a notary approves it all
  • Grab your keys. The house is now your home

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