Join our CLT

Purchase a Home with BRH

Homeownership opportunities with Bread & Roses Housing will appear on the website as they become available.

Before you purchase a home, you must have all your financial and legal aspects in order. This includes having a stable source of income, a good credit score, , and a clear understanding of your budget. 

We will notify you by email if we have an upcoming opportunity for affordable housing in Lawrence, Haverhill, or North Andover, MA. If you would like to be added to our list, please submit the following information:

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Prepare to Buy a Home

There are four essential steps involved in getting ready to buy your first home.

Have your Credit in Order

Pay all your bills on time. Pay down large outstanding balances. Know your CREDIT score and resolve any credit issues. For a free annual credit report go to or call 1-877-322-8228.


Your ability to save shows readiness to be a homeowner. It is never too soon to start saving for down payment and closing costs. Banking your tax return is a wonderful way to give a boost to your down payment savings account. Savings programs called IDAs (with matches for each dollar saved) are available locally.

Home Buyer Education

Get your FIRST TIME HOMEBUYERS CERTIFICATE. These 8-hour seminars are offered by a number of local, certified groups. To register, call: Lawrence Community Works, 978-722-2627, ACT Lawrence, 978-685-6274, Centro de Apoyo Familiar, 978-332-7108.

Be Organized

Organize your paper work and be prepared to submit a completed application on time. Documents you need to submit with your housing application include Federal Tax Returns, W-2 and 1099 Forms, most recent pay stubs, rent receipts and copies of bank statements.