RESOURCE CENTER

We Are Here To Help You

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Check records in Massachusetts Trial Courts

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Looking for maps by location in Massachusetts
Is your property in a flood zone? Check  FEMA Flood Maps By Address

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Check your credit. Credit Karma credit must be used only as a reference because this is only a soft credit check and only uses 2 of the major credit bureau agencies (Transunion and Equifax) but offers a quick credit check as a starting point to know your credit score situation. Checking on Credit Karma will not affect the credit score because only  hard credit inquiries will affect your credit score.

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Check for the lead paint records recorded with the State of Massachusetts

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ONE Mortgage which is being sponsored by MHP (Massachusetts Housing Partnership) and offered through selected Participation lenders throughout Massachusetts (Please contact us for more information at (617) 381.9010

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  • Be a first-time homebuyer. This means that you have not owned a home at any point in the last three years.
  • Take a homebuyer class. This class will help you get ready for the home buying process.
  • Meet our down payment requirements. We require a 3% down payment to buy a condo, single-family home, or two-family home. We require a 5% down payment to buy a three-family property. You may use a down payment program or gifted money from a family member as part of this down payment.
  • Have a total household income under our limits. Our income limits vary by community and the number of people in your household.
  • Have less than $75,000 in total household assets. This includes any checking accounts, savings accounts, stocks, or bonds. But it does not include most retirement and college savings accounts.
  • Meet our credit score limits. Your credit score must be at least 640 to buy a single family or condo and at least 660 to buy a two/three family home. We also have options for people who don’t have any credit history.
  • Agree to live in the property as your primary residence. If you stop living in the property, you must refinance out of your ONE Mortgage.

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2023 Income Limits

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Buying a two- or three-family property? You must complete a pre-purchase multi-family/landlord course or meet with an approved agency for a one-on-one counseling session.

2023 Income Limits for ONE Mortgage Loans

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MassDREAMS
North Suburban Consortium
Chelsea Restoration Corporation
City of Boston – Grant towards a down payment
City of Lynn – Down payment assistance (Lynn Housing Authority & Neighborhood Development)
City of Lawrence – Down payment assistance

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