Join our CLT
Homeownership opportunities in the Bread & Roses Housing community land trust will appear on the website as they become available.
Community Land Trust Home Interest List
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:
Bread & Roses Housing’s home ownership opportunities are among the most accessible and affordable in New England. Our community land trust model is a progressive solution to community change in the area of affordable housing.
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 www.annualcreditreport.com 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.
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.