Do you need a Massachusetts Homebuyer Education Certificate to qualify for a loan program or an affordable housing opportunity? Are you looking to buy a home, but not sure you can afford one? We offer the approved homebuyer education workshop that is required for Mass Housing programs, the MHP One Mortgage, or the Equity Builder programs as well as other down payment assistance or affordable housing opportunities. We do not attempt to sell you any goods or services; we do not receive any commissions. The fee is $100 per household and can be paid with the Buy Now button below. To register, see contact information below.

To register, or if you have any questions about the program, please send an email to Ellie O'Leary at or call 978-992-4106. Our mailing address is PO Box 453, Amesbury MA 01913


Tuesday, September 15, 2015

Question: Does [Name of Program] accept your certificate?

This question comes up fairly often from someone who is doing a  particular mortgage program, a down payment assistance program, or some other affordable housing opportunity. For two of the programs I can give an unequivocal “yes”. Our certificate is given through our approval with Citizens’ Housing and Planning Association(CHAPA), a non-profit umbrella organization for affordable housing and community development activities in Massachusetts. The certificate we award to participants who complete the workshop is definitely accepted for mortgages with Mass Housing and with Massachusetts Housing Partnership. 

For anything else, like a down payment  assistance program, I am reasonably sure that our certificate is precisely what the buyer is supposed to get. Here is the thing, though. I cannot answer for someone else. I always suggest to the buyer that they check with [Name of Program] to see if they do in fact accept our certificate. 

Just as you might not want to check with your credit card company to see if a certain store would take a particular card, it is best to check with the entity making the decision. In that case, you would check with the store itself. At best I can only tell someone I expect that program to accept our certificate, but to find out for sure, it is best to check directly with the program.