MassHousing

MassHousing is the state's affordable housing bank. They lend money at rates below the conventional market to support rental and home ownership opportunities for low and moderate income residents of the Commonwealth.

Home Buyers

MassHousing helps people with modest incomes achieve the American Dream of home ownership. Their loan products feature low or no downpayments,below-market interest rates and other features that make it easier for you to buy a home. If you think you earn too much to qualify for a MassHousing loan, view the income limits for each program; they may be higher than you expect.

Information on:

All MassHousing home buyer programs

MassAdvantage™, most popular first-time home buyer program

MassHousing/Fannie Mae loans (for higher income borrowers)

Home buyer loans for Mass transit users

Home buyer loans for municipal workers

Loans to purchase a home in need of repairs

MI Plus, MassHousing's revolutionary mortgage insurance

Step-by-Step home buying guide, with mortgage pre-qualification

Home buyer counseling agencies

Home Owners

As a home owner, you know that it takes money to improve and maintain your property. MassHousing offers several low-cost loan products for home improvements and repairs.

Information on:

See all loans for home owners

Make general home improvements

Fix my septic system

Remove lead paint

Refinance my mortgage