Are you thinking about buying a house? Are you completely overwhelmed by all the acronyms and loan options? We can help you sort them all out.

Valley offers several different services for First-Time Homebuyers, Homeowners, and people dealing with foreclosure:

Individual Counseling

Individual Counseling

Our individual counseling sessions focus primarily on income, debt, credit, and how best to help you achieve sustainable homeownership.

Grants and Subsidies

Grants and Subsidies

Several towns and cities in the area are offering downpayment grant money and/or subsidies to help you purchase your first home. We are a provider of the Home Modification Loan Program (HMLP) for residents of most towns in Hampshire and Hampden counties.

Post-Purchase

Post-Purchase

Congratulations! You bought a house! Now what? Don’t panic. From weatherization to repairs, budgeting to home insurance, we can answer all your questions. We hold a post-purchase workshop twice a year, in the spring and the fall. Join us for lots of very useful, helpful advice from professionals in the business.

Home Modification Loan Program (HMLP)

Home Modification Loan Program (HMLP)

Home Modification Loan Program (HMLP) is a state-funded loan program that provides financing to Massachusetts homeowners and small landlords for accessibility renovations to keep a household member with a disability or an older adult in their own home and community. HMLP provides 0% interest loans in amounts between $1,000 and $50,000 to homeowners for modifications to the primary, permanent residence of elders, individuals with disabilities, and families of children with disabilities.

Foreclosure Prevention

Foreclosure Prevention

Even the best planning can’t take every emergency into consideration. If you find yourself behind on your mortgage and struggling to pay your bills, come and talk to us. Meet with Donna – she’ll go over your mortgage and help you understand the terms of your loan and your next steps.

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