Home Access First Time Homebuyer Program

Southern Mass Credit Union has affordable loan programs to assist Homebuyers in purchasing their first homes. (Private Mortgage Insurance required for mortgage loans over 80% Loan-to-value. Subject to credit approval.)

  • No down payment or 3% down payment programs available (credit terms may vary).

  • Fixed Rate Mortgage Option.

  • Down Payment Funds may be gifted in its entirety.

  • 1 Unit Owner Occupied Purchase Transactions.

  • Mass Housing Partnership One (MHP-One) Program Available.

    • No Private Mortgage Insurance.

    • Mass Housing Partnership Interest Subsidy.

    • Owner Occupied Only.

    • Income and Asset Restrictions Apply.

    • Subject to Credit Approval.

Let’s work together to find the right mortgage solution for you.