CTI offers a CHAPA approved first time home buyer course consisting of 4 evening classes. Course material covers the entire home buying process including budgeting, mortgages, down payment assistance, working with a realtor and lawyer. Instructors typically include a budgeting/credit professional, mortgage lender, realtor, lawyer and home inspector.
The 2 year certificate is issued at the conclusion of the seminar and makes the prospective home buyer eligible to apply for the MHP One and Mass Housing mortgages.
Their feedback on MassHousing:
Jose Baez had heard a lot of negative things about getting a home mortgage but his experience getting a MassHousing Mortgage was nothing but positive.
"It went fine, really," he said. "There were no issues. I thought it was going to be difficult from what I heard other people say but I didn't really experience that. It's great," he said. "They (his children) love it. They have their own yard and place to play and we are very happy with how everything worked out. For anyone who has any doubts about MassHousing, they made the process easy. I didn't think it was ever possible to own our own home."