First-time Homebuyer Programs

Looking to begin the process of buying your first home?

Bay State Savings Bank’s team of mortgage professionals are here for you every step of the way. Learn more about the different programs that could work for you.

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Mass Housing Finance Agency


First-time homebuyer loans and down payment assistance programs.

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Lift Up & Equity Builder Programs


First-time homebuyer grant funds for down payment and closing cost assistance.

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Mass Housing Partnership/ONE Mortgage


First-time homebuyer loan and down payment assistance program.

Definition of a First-time Homebuyer:  An individual who has not owned a home during the most recent three-year period. For more information contact one of our mortgage professionals.

For those interested in a first-time homebuyer mortgage

We can provide you more information on the following:

  • Rates,
  • Income limits by county/municipality,
  • Single-family home loan limits,
  • Financing for 2, 3, and 4-family owner-occupied homes,
  • And more!

For a rate quote, contact us today!

Call: (508) 890-9060 | Email:

First-Time Homebuyers: Contact Our Mortgage Professionals!