💼 Pre-Approval Guidance

• Link: MassHousing Approved Lenders

• Tip: Getting pre-approved gives you clarity and helps your application stand out.

💸 Down Payment Assistance

• Link: MassHousing DPA Program

• Link: ONE Mortgage Program

• Link: MyMassHome Portal

• Tip: Many first-time buyers are eligible for thousands in assistance—don’t miss out!

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Link: Federal Home Loan Bank of Boston Lift Up Homeownership

• Link: Massachusetts Affordable Housing Alliance STASH program

• MassHousing:

  • Link: CommonWealth Builder

  • Link: Down Payment Assistance

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• Mass211: Free 24/7 hotline providing information on housing programs for first-time buyers and referrals to Housing Consumer Education Centers (HCECs).

• MassHousing Homebuying Team: Offers guidance on MassHousing mortgage programs and down payment assistance. Call 888-843-6432 or email homeownership@masshousing.com.

• Housing Consumer Education Centers (HCECs): Local centers offering resources and support for first-time buyers. Find a list at Mass.gov.

• Local Housing Authorities (LHAs): Provide information on housing programs and resources in your area.

• Pre-Purchase Counseling: Many communities offer counseling to help you assess your finances and navigate the buying process. Contact your local LHA or HCEC for details.

• Homebuyer Education Classes: Classes that prepare buyers for the process and application steps.