We are approved by the U. S. Department of Housing and Urban Development (HUD) to provide counseling, education and advice in housing issues to new and existing homeowners.

This loan program is available for Massachusetts first-time homebuyers who are looking for a low-interest, 30-year, fixed-rate mortgage. All MassHousing Loans come with provisions to cover the borrower in the event of involuntary unemployment.

Homebuyers who meet income requirements but don't have the down payment necessary for a home purchase may qualify for the Soft Second Program. Eligible borrowers will receive both a conventional first mortgage on the property and a government-subsidized second mortgage for the down payment. Only homes in participating communities will be considered for the program.