We know how hard it is right now. You’ve likely seen home prices rise while the number of available homes seems to shrink. Maybe you’ve started to believe homeownership just isn’t within reach anymore. And we get it — the down payments, the closing costs, the interest rates…it all adds up fast.
But there’s good news, and it’s too important not to share!
🏠 Meet the ONE+ Mortgage Program
The ONE+ Mortgage Program is designed specifically for first-time homebuyers in select Massachusetts cities — and Chicopee, Holyoke, Springfield, and Westfield are on that list. This program isn’t just another loan option. It’s a powerful tool created to make buying a home more affordable and accessible for people who’ve been locked out of the market due to income, savings, or rising costs.
🔍 What Makes ONE+ Special?
ONE+ goes above and beyond traditional mortgage support. It includes:
- Significantly discounted fixed interest rates (not a temporary teaser rate — a real, permanent discount)
- No private mortgage insurance (PMI) — saving you hundreds every month
- Low down payment requirement — just 3% for most properties
- Down payment and closing cost assistance — even more than the standard ONE Mortgage
These features aren’t just nice to have — they can mean the difference between buying your first home or continuing to rent indefinitely.
🎯 Who’s Eligible?
To qualify, you must:
- Currently live in Chicopee, Holyoke, Springfield, or Westfield (and other cities throughout MA)
- Be a first-time buyer (haven’t owned a home in the last 3 years)
- Take a certified homebuyer education class
- Meet income and asset limits
- Have sufficient credit (minimum score of 640)
- Plan to live in the home you purchase
There are special options for multi-family homes too — with extra support and education for future landlord-owners.
🤝 Why the Right Realtor Matters
A program like ONE+ can transform your buying power, but here’s the thing: not every lender and not every realtor is going to tell you about it.
That’s why it’s critical to work with a realtor who’s not just showing homes — but sharing resources and actively connecting you to the tools that make homeownership possible.
At River Flows Realty, we believe it’s our job to help you navigate the whole journey — not just negotiate a sale. We’re constantly learning about new programs like ONE+ so we can guide our clients toward every available advantage.
We’re not just here to open doors. We’re here to help you walk through them — with confidence, clarity, and support.
💬 Let’s Talk
If you’re feeling overwhelmed or discouraged, you’re not alone. But you’re also not out of options. Let’s have a real conversation about what’s possible — and how programs like ONE+ can change your path.
Whether you’re ready to buy or just starting to explore, we’re here to help.