ONE Mortgage is the state's most affordable mortgage program for low- and moderate-income first-time homebuyers. ONE Mortgage features low, fixed-rate financing and a state-backed reserve that relieves homebuyers from the cost of private mortgage insurance.
ONE Mortgage is offered by participating lenders in partnership with the Commonwealth of Massachusetts and local homeownership support organizations. Use the navigation box on the left to learn more, or take one of the following steps:
- Are you a first-time homebuyer? Click here.
- Are you a lender who wants to offer ONE Mortgage? Click here.
- Did you buy your first home with SoftSecond or ONE Mortgage? Click here for post-purchase education and information about selling or refinancing your home.