The GHA is proud to support Cape Ann area families that want to pursue the
American Dream of owning their own home. In 2004 the GHA established
Ann Homeownership Center to provide educational
opportunities that promote responsible and sustainable
Our Homeownership Center currently offers the
& Post-purchase Counseling
The GHA has received the Massachusetts
Homeownership Collaborative Seal of Approval for its pre-purchase
homeownership counseling program. Certificates earned in a 4-night
workshop are entry into MassHousing & MHP loans, down payment
assistance grants and home lotteries. One-on-one sessions by
appointment cover individual homeownership needs including budget
and credit counseling and foreclosure prevention. Our
post-homeownership courses are approved for households receiving MHP
soft-second mortgages and they will help you navigate through issues
once you’ve moved into your new home.
Massachusetts State Law now requires that
individuals obtaining a sub-prime mortgage receive counseling by a
Division of Banks (DOB) certified agency prior to closing on their
loan. The GHA is proud to be the region’s only DOB certified
Do you have an adjustable rate mortgage or
are you afraid of foreclosure? The GHA has free one-on-one
counseling for households struggling to maintain homeownership. No
question is too small, so please give us a call.
This unique HUD funded program, assists
qualified very low income households convert their rental assistance
into mortgage assistance.
The GHA currently monitors the affordability
of several Chapter 40B properties on Cape
Ann and conducts lotteries to select income qualified
purchasers for initial and subsequent sales. Information on our lotteries is posted in
the news section below. Other lotteries can be found at www.chapa.org
Homeownership Development Program
Over a dozen single-family homes and
condominium units have been built under this innovative program. We
are always looking for donations of land.
Please contact our Homeownership Specialist,
Kathy Erkkila, at (978) 281-4770 for additional information on any
of the above programs.