First Time Homebuyers
Andrea was a young single mother living in a small apartment determined, to provide a better home for her two quickly growing children. When she called Neighborworks® Southern Mass she found out about our First Time Homebuyer Education course. She received her certificate and learned that she was eligible to apply for Down-Payment and Closing Cost Assistance. She qualified for over $9,000 in assistance and was able to purchase a home for her family. “My kids were so excited to move into their new home and I was so proud to accomplish this thanks to a helping hand from NeighborWorks® Southern Mass.”
Many people think first time homebuyers are young people but Joanne Jacobs (age 54) attended a recent NeighborWorks® Southern Mass Homebuyer Education class in Wareham. Joanne has been renting a cottage on Buttermilk Bay for the last ten years and her landlord has given her the opportunity to purchase the cottage! Joanne heard about our classes at her bank and decided to come so that she could be an educated homebuyer. Today, Joanne is the very happy owner of her first home!
Jon Wu first came to NeighborWorks® Southern Mass in January of 2009, after attending one of our foreclosure clinics.
At that time, he was struggling to make his mortgage payments because he was out of work with medical issues. His wife had also lost her job. Working with NWSOMA staff member, Joe Madaio, Jon began to understand the paperwork required to request a mortgage modification from his lender. He also worked hard with Joe to be persistent in several submissions of the paperwork to his lender and was finally able to get some relief on his mortgage with his first modification.
In 2011, Jon was struggling again, this time with a different lender when his mortgage was sold. His disability became permanent and his wife was out of work for the second time. Again, working with Joe through multiple submissions of paperwork, the lender asking for more and different financial information each time, he was able to secure a lower payment for a period of time. Eventually, that became a permanent change in the mortgage with the payment at a level that Jon can sustain.
Because working with NeighborWorks® Southern Mass helped Jon to stay in his home and keep a roof over my head, he was very happy to recommend our Foreclosure Prevention Program to his friend Eileeen who was also struggling with her mortgage.
Eileen had been working two full-time jobs and lost both of them. In Eileen’s words, “Working with Joe Madaio kept me optimistic and educated me about my rights during the process. After several submissions of requests for assistance, I was able to find a mortgage payment to stay in my home. Without the help of NeighborWorks® Southern Mass I would be homeless today.”
David Ortega is a retired sergeant and Iraq War veteran. Ortega lives with his wife and four children in a four-bedroom, single-family Quincy home that NeighborWorks® Southern Mass and the City of Quincy purchased and renovated for veterans’ housing in 2013. Before they moved in, David and his family were homeless.
“As a veteran of Operation Enduring Freedom and Operation Iraqi Freedom, I am truly grateful for being able to provide my family with a safe and comfortable home,” Ortega said. “NeighborWorks® has just been awesome: My kids love the house, they have friends that sleep over and play in the backyard. It’s just been amazing. I could not ask for more.”
Richard and his family have known the benefits of responsible homeownership for decades, they’ve lived in their home in Quincy for more than 40 years. But the need for a new roof and a remodeled bathroom were beyond their savings and a traditional loan payment wasn’t within their budget. Through the NeighborWorks® Southern Mass rehab program, Richard’s family was able to afford the necessary maintenance to keep their home in the beautiful condition they have always taken pride in.
“It’s good to know there’s help there when you need it.”