Table of Contents

1 Welcome 2 All Bright Homeownership 5 Rent vs. Buy Why should you 8 All Bright Homes 10 A Homebuyer’s Story: Kathleen choose ONE? 12 10 Questions to Ask Before Buying a Condo Fair Housing: Know Your Rights Put down as little as 3% 18 Get a low, fixed interest rate 22 ¿Cree que alguien ha infringido sus derechos de vivienda justa? ¡ANÓTELO! Pay no Private Mortgage Insurance 25 Anatomy of a Mortgage Get financial assistance if you qualify Homeownership Timeline Build your wealth 26 28 How Long Does It Last? If you are a first-time homebuyer, the 30 How to Protect Your Family from Lead ONE Mortgage Program is for you! 32 One Mortgage For more information: 35 Energy Saving Tips: Ten Ways to be More Energy Efficient in Your Home WWW.MHP.NET 37 Declutter Your Home 800-752-7131 39 2020 Directory of Resources [email protected]

ONE MORTGAGE PROGRAM

ALLSTON BRIGHTON CDC is a HUD-certified Housing Counseling Agency, holds a Seal of Approval from the Homeownership Collaborative, and adopts the National Industry Standards for Homeownership Education and Counseling. Why MassHousing? Welcome MassHousing’s home mortgage loans are crafted to help overcome barriers to home ownership. We continually strive to create products It is our pleasure to present to you the 2020 Brighton and features that solve problems for today’s homebuyer. Homeownership Resource Guide. This year the Resource Guide celebrates its 20th year of publication. We know that the homebuying process can Chances are, there is a MassHousing Mortgage that is right for you! seem overwhelming and we are here to provide educational resources to give you the knowledge and confidence to navigate the homebuying • Down payment assistance up to process and take care of your investments. In addition to providing useful 5% of the purchase price of a information and contacts, the Resource Guide represents numerous home (up to a maximum of community members, agencies, service providers, and professionals who $15,000) for qualified borrowers* are committed to making homeownership accessible.

• Competitive long-term, fixed-rate Since ABCDC was founded, our staff has worked to ensure that all our mortgages with flexible credit and neighbors have access to a safe, affordable home. Homeownership qualifying requirements is pivotal to our mission and contributes to equitable and sustainable • Mortgage Insurance (MI) options: communities. We give individuals and families the tools that they need to no-MI, MI paid by the lender or succeed in a competitive real estate market, no matter their background. MI with mortgage payment More than 6,000 individuals have graduated from our monthly Homebuying protection in case of job loss 101 classes since they began in 1995, and thousands of new and existing homeowners have benefited from our programs. • Homebuyer education, including an online option As in previous years, this guide contains information that will be useful to you whether you are a homebuyer or a homeowner. It contains a variety of • Locally serviced loans: borrowers resources, including articles written by ABCDC staff and industry partners can easily contact us for support covering fair housing, the anatomy of a mortgage payment, lead safety, and energy saving tips. In addition, you will find a directory of private, non-profit, Learn about our mission, products and how we support successful home and public providers of services used by homebuyers and homeowners. ownership in Massachusetts at www.masshousing.com/homeownership The directory also has the contact information of public officials. We hope * To be eligible for down payment assistance, borrowers must be first-time buyers. Income limits apply and vary by region. Income limits can be viewed at www.masshousing.com/limits. Other eligibility criteria apply. that you will find it useful throughout your homeownership journey. Down payment assistance available on 1-4 family homes, condos and Planned Unit Developments (PUDs). Sincerely,

John Woods Molly Goodman

EQUAL HOUSING OPPORTUNITY Executive Director Manager of Homeownership Programs

d 1 ALL BRIGHT HOMEOWNERSHIP

mortgages, HUD mortgages, home FINANCIAL EMPOWERMENT ownership lotteries, and lender first In 2019, we expanded our financial time homebuyer mortgages. The counseling services to individuals certificate is accepted statewide and living in our affordable rental is valid for 3 years. portfolio. We offer free financial FRAMEWORK ONLINE seminars specifically targeted to low HOMEBUYING CLASS to moderate income (LMI) individuals living in our neighborhood. All Framework is a comprehensive All Bright individuals who attend a seminar course that leads first-time buyers can enroll in one-on-one financial through the entire home purchase counseling to grow their financial Homeownership process. This online option allows knowledge and create an action plan participants to complete the course to improve credit, pay off debt, and on their own time. One follow-up save money. session is required to receive a All Bright Homeownership A Roadmap to Buying certificate. The interactive session is STUDENT LOAN COUNSELING offered by a HUD-certified counselor is Allston Brighton CDC’s Your First Home In 2019, ABCDC also added Student who will highlight key aspects of HOMEBUYING 101 (HB101) Loan Counseling to our repertoire of program to educate first- the process and give participants services. Student loan counselors time homebuyers and help HB101 is a 9-hour course, covered the opportunity to have individual assist borrowers in evaluating over 2 or 3 sessions. Topics questions answered. them responsibly plan for their individual circumstances and covered include: their future. PRE-PURCHASE COUNSELING all the repayment and loan • Budgeting, Savings & Credit forgiveness programs available All graduates of HB 101 or We build a trusting to them, such as income-based • Obtaining a Mortgage Framework have access to unlimited repayment options, Public Service environment where pre-purchase counseling services • Housing Search Loan Forgiveness (PSFL), and residents can engage with from a certified HUD counselor. • The Legal Aspects of Buying a Home Teacher Loan Forgiveness (TLF). For Graduates begin the counseling HUD-certified housing borrowers with loans in default, your • Home Inspection process with an intake and counselors to create counselor will help you understand • Homeowners Insurance assessment, which includes pulling options such as loan rehabilitation, personalized plans for a a credit report with FICO score(s), • First-Time Homebuyer Loan consolidation or refinance and completing a budget with actual successful homebuying Programs will help you communicate with income and expenses, setting experience. ABCDC • Down Payment Assistance Programs debt collectors and loan servicers. attainable short- and long-term Sessions include: has offered first-time Graduates of this course receive goals, and creating an individualized homebuyer classes since a certificate that grants access action plan with concrete steps and a • Budget & financial analysis timeline for completion. 1995 and we don’t plan on to downpayment assistance, • Credit report analysis Massachusetts Housing Partnership’s • Evaluation of debt and possible stopping anytime soon! ONE Mortgage, MassHousing solutions

2 3 Mortgage options to fit your unique needs. No matter how large or small your loan is, you can expect the highest quality residential home mortgages, superior customer service, and a banking relationship that works for you.

Let’s start a discussion: John Allard Celsa Moreno-Barker NMLS #697230 NMLS #31953 Phone: 508.732.3426 Phone: 508.830.3247 Rent Vs. Buy [email protected] [email protected] By: Meghan Monson, Homeownership Programs Coordinator

costs associated with buying a home Choosing whether to pursue that are separate from the cost of homeownership can be the home itself, it is not practical to Member FDIC difficult because there’s no move frequently while owning. Unlike “one size fits all” approach renting, which may have a minimal application fee, the costs of buying to buying a home. There are This is a great course for This was fantastic and a home are significant relative to many calculators online the purchase price of the home. made the homebuying first-time homebuyers- that can tell you if renting Closing costs include the lender’s process feel more thank you ABCDC! or buying will save you fees, attorney’s fees, title insurance, obtainable and clearer more money over time, but as well as prepaid and escrowed homeowner’s insurance and taxes. If they often don’t factor in you were to buy your home and then the personal reasons that sell it without having built enough This class covered convince people to rent or buy. equity, it is possible that you will not In this post, we will look at make any money in the transaction, and you could lose money. Therefore, renting versus buying in terms everything I needed to know it is advisable to only purchase if you of flexibility, responsibility, are in a situation where you can forego and investment opportunity. some of the flexibility of moving often. The facilitators are Hearing from experts in Freddie Mac recommends that you the field was very helpful, I plan to live in a purchased home for at helpful and even stayed Flexibility, in terms of being able to feel like I am already least 5 years. to answer my questions move to a different home or location, starting to build my team greatly reduces when you become It is well known that being a home- after the class to begin this process a homeowner. Because there are owner means more responsibility.

4 5 RENT VS. BUY

As a homeowner, you will be Lastly, the investment opportunity accountable for maintaining your of homeownership is often a major KEEPING COMMUNITIES STRONG home in the condition required factor that persuades people to by your local municipality or your buy rather than rent. On average, THROUGH A WIDE RANGE OF condo/homeowner’s association. homeowners have a much greater Houses don’t take care of net worth than renters. Owning a FINANCIAL SERVICES. themselves; they require significant home is a sort of forced savings (in terms of cost and time) input plan, where your monthly principal from the owner to be maintained. payments build equity in an asset Proactive maintenance is essential that should increase in value over to avoid expensive surprise repairs. time. When it comes time to sell, you will ideally make a profit because The type of property you buy your home is worth more than will determine just how much it was when you bought it. This responsibility you will have. There is a stands in contrast to renting, in spectrum of responsibility. The form BROOKLINEBANK.COM which your monthly rent payment of homeownership with the least usually helps build your landlord’s responsibility is condo ownership, equity in the property. Considering NMLS ID #715671 where there is a condo association this, more renters might prefer to in place to budget for building and be homeowners but are not able common area maintenance as well to overcome the many barriers to as producing vendors. If you want homeownership that most often We Live Here. to be a homeowner and don’t like have to do with upfront costs. the idea of maintaining a yard, this We Work Here. Some might simply prefer to make option is probably the best for you. their investments outside of their We’re Here to Serve You. Next on the spectrum is single family home because they have a different property ownership, in which you investment strategy. own the whole building or dwelling unit. The ownership option with If you are prepared to remain in the most responsibility is multi- one place for at least several years, Kevin Cleary family ownership, in which you are you understand and are ready responsible for a building, its land, to accept the responsibility of 617.304.1277 and all the units in the building. In maintaining a property, and part of multi-family ownership, you become your long-term investment strategy a landlord and must maintain your includes owning a home, then you own dwelling unit in addition to the are likely a good candidate for RE/MAX Select dwelling units of your tenants. The buying. If any of these boxes don’t 420 Market Street, degree of responsibility from least apply to you, then it might indicate RemaxSelectBoston.com to most is as follows: renting, condo that you are comfortable renting, at ownership, single family ownership, least for now. then multi-family ownership.

6 7 A HOMEBUYER’S STORY

financial standing. Suffice it to say, Through conversation and my finances were the area I had the worksheets, goals and numbers, most insecurity. Throughout the first Mark helped build my confidence. meeting, I waited for Mark to take Slowly but surely, I started to believe a deep breath and say, “I’m sorry in the possibility of homeownership. but I don’t think homeownership is He didn’t do the work for me but an option for you.” I was nervous, guided me along the way; he embarrassed and apologetic as answered every question I had, with A Homebuyer’s we went over my income and debt patience and clarity. and minimal savings. Mark was the I hold immense gratitude for the Story: Kathleen opposite; he was steady, clear, steadfast guidance of my real estate and optimistic, and completely team. It took me 18 months from my confident that all I needed was a first class with ABCDC to the closing Homebuying 101 provided a wealth plan and a path. Allston Brighton CDC was a on my home in December 2017. Not of information from budgeting, to game changer for me. As an From that day forward, Mark helped to overdramatize my experience but debt reduction, to credit worthiness, apartment renter for 20 plus to combat my insecurity with I felt like a different person by the to understanding all the players worksheets, positivity, and the next end of that journey. It was 18 months years, I nervously tiptoed and steps needed in a real estate action step I needed to take. We went of focused, consistent effort and toward the hope to purchase search. The teacher of our class was over each step in the process but counseling and positivity. It was a a space of my own. I went the encouraging, informed and seemed focused heavily on my finances and slow build of belief that I could do traditional route and asked truly invested in our understanding my credit score, the foundation of it it, that helped to make it possible. of the content. After the class, I had questions/advice of friends all. It took me a solid year to clean By the end, I felt like I had climbed a a binder bursting with notes and vital or family who had purchased things up, save some money, and mountain on my own steam but also resources, and the knowledge was in the past, but their feedback have a clear understanding of what with the grace and generosity from empowering. That said, I still had very I could afford and legitimately begin the people I met through ABCDC. was not nearly enough. As a little confidence I could purchase a my home search. single person, with a modest home of my own. -Kathleen income, I felt somewhat During the class, we were introduced out of the running to be a to various members of a “homebuy- homeowner. I first learned ing team.” I felt particularly drawn to about the homebuying classes a housing counselor, Mark Sullivan. from a colleague who had gone I can safely say, I would not have the READY TO DELIVER... through the class and won a home I have today without Mark’s Our experienced residential team is hard at work making sure you get the tutelage, mentorship, and generosity very best rate. We will help you navigate the home buying process and find lottery on a condo. Inspired the mortgage that’s right for you. of time and spirit. by her ability to purchase a Why, we’ll even provide boxes to help you pack!

condo in Brighton, I took the My first meeting with Mark was in Call one of our Mortgage Specialists today at 978.977.7100 or visit ebsb.com. homebuying class in July of 2016. He had sent along paperwork for me to prepare prior to June of 2016. NMLS # 457291 our session; mostly a recap of my Member FDIC. Member DIF.

8 9 ALL BRIGHT HOMES

Lower Allston and North Brighton “We’re really happy that we offer residents a close-knit community with convenient access were able to do good by the to local parks, the Charles River, neighborhood and do well cafés, restaurants, farmers markets, for our family all at the and art and music venues. The All Bright Homes Program creates same time.”

opportunities for families and – All Bright Homeownership Seller, 2019 individuals who want to buy a home and enjoy all the amenities this neighborhood offers.

For further information, contact us by email at All Bright Homes [email protected] or by phone at (617) 787-3874.

In 2015, Allston Brighton CDC restriction on the home, we ensure that homes purchased through the established the All Bright program remain owner-occupied in THE BOSTON HOME CENTER Homes Program in partnership perpetuity. with Harvard Allston Task CAN HELP YOU Force, Harvard University, This program is beneficial to buyers and sellers alike. Buyers have the Boston Community Capital, opportunity to own a home in a Buy a home with funds for downpayment and and the City of Boston. sought after neighborhood without 1) closing costs or by entering our affordable competition from investors. Sellers home lotteries can quickly close on their home and The program is designed to promote Maintain your home with our repair and benefit the community that they love. an increase in the number of owner- 2) lead loans occupied households in Lower In 2019, two homes were purchased Retain your home with free and confidential Allston and North Brighton. ABCDC through All Bright Homes; 22 3) foreclosure and refinancing counseling identifies homeowners looking to sell Hopedale was a single-family home and purchases properties quickly, while 90 Easton was a 3-family usually before they go on the market, property. 22 Hopedale was sold to a LEARN HOW CAN WE HELP YOU: with the goal of reducing investor family in early 2019. After finalizing (617) 635-4663 HOMECENTER.BOSTON.GOV ownership. ABCDC then resells the renovations, we will sell the 3 condo homes to individuals or families who units to families who can call Allston want to reside in the neighborhood. Brighton their home for the long-haul! By placing an owner-occupancy deed

10 11 10 QUESTIONS TO ASK BEFORE BUYING

2. What are the condominium rules 3. How much money is in the capital & regulations? reserve account and how much is funded annually? Condominium rules can prohibit pets, your ability to rent out the The capital reserve fund is like an unit, and perform renovations. insurance policy for the inevitable Make sure you carefully review capital repairs every building 10 Questions To the rules and regulations before requires. As a general rule, the fund buying. Needless to say, the should contain at least 10% of the Ask Before Buying buyer’s attorney should review annual revenue budget, and in the and approve all condominium case of older projects, even more. If A Massachusetts Condominium Unit documents, including the master the capital reserve account is poorly deed, declaration of trust/by-laws, funded, there is a higher risk of a covenants, unit deed and floor special assessment. Get a copy of plans to ensure compliance with the last two years budget, the current decision will impact your daily living Buying a condominium state condominium laws as well as reserve account funding level, and and your ability to re-sell. unit can be more involved Fannie Mae and FHA guidelines, any capital reserve study. than buying a single-family Here are the 10 questions as necessary. home. This is because you buyers should ask when have take into consideration deciding to purchase a both the unit itself and condominium unit: the condominium project 1. What is the monthly as a whole. condominium fee and what does it pay for? SINGLE FAMILIES CONDOS MULTI-FAMILIES High level of control Lower level of control High level of control To borrow from a famous phrase, not The monthly condominium fee all condominiums are created equally. can range quite dramatically from High level of Lower level of responsibility High level of responsibility; Some condominiums are very well condominium to condominium. The responsibility (management of common additional responsibility run; some are quite poorly run and fee is a by-product of the number areas is shared by all unit for maintaining rental underfunded. Buyers interested in of units, the annual expenses owners or handled by a units & complying with purchasing a condominium unit must to maintain the common area, professional management all applicable laws (fair do their homework. Buyers should whether the condo is professionally company) housing, lead safety, handling not only research the condition of managed or self-managed, the age of security deposit, etc) the individual unit they are interested and condition of the project, and in purchasing, but also the financial other variables. For budgeting and Budget/save yourself Budget/save collectively Budget/save yourself health and governance of the financing you need to know the for expenses, repairs for expenses, repairs & for expenses, repairs & condominium as a whole. Remember, monthly fee and exactly what you & maintenance maintenance maintenance; additional you are buying into the entire project are getting for it. reserves required for as much as you are the unit, and your damages, lost rents, etc.

12 13 10 QUESTIONS TO ASK BEFORE BUYING

4. Are there any contemplated or in the court database to check if pending special assessments? they have been involved in recent lawsuits. Special assessments are one-time fees for capital improvements 7. How many units are owner Boston Private payable by every unit owner. Some occupied? special assessments can run in the is proud to support the A large percentage of renters can thousands, others, like the Boston create unwanted noise and neighbor Harbor Towers $75 Million renovation issues. It can also raise re-sale and project, in the millions. You need to financing issues with the new Fannie HOMEOWNERSHIP be aware if you are buying a special Mae and FHA condominium assessment along with your unit. regulations which require an owner- RESOURCE It’s a good idea to ask for the last occupancy threshold. If your buyer is two years’ of condominium meeting using conventional financing, check GUIDE OF minutes to check what’s been going if it is a Fannie Mae approved condo. on with the condominium. ALLSTON If FHA financing, check if it’s an FHA 5. Is there a professional approved condo. management company or is the 8. What is the condominium fee BRIGHTON CDC association self-managed? delinquency rate? Investing in our neighborhoods, and Usually, a professional management Again, a signal of financial trouble, company, while an added cost, can financing homebuyers, small businesses and Fannie Mae and FHA want to see add great value to a condominium the rate at 15% or less. and community development with well-run governance and management of common areas. But 9. Do unit owners have exclusive for smaller condominiums, self- easements or right to use certain management works just fine. common areas such as porches, For further information please contact: decks, storage spaces and 6. Is the condominium involved in parking spaces? Diana Carvajal-Hirsch, Senior Vice President any pending legal actions? Condominiums differ as to how Residential Loan Officer, First- Legal disputes between owners, with they structure the “ownership” of developers or with the association T i m e H o m e b u y e r S p e c i a l i s t certain amenities such as roof can signal trouble and a poorly run decks, porches, storage spaces and Office: (617) 912-3991 organization. Legal action equals parking spaces. Sometimes, they are attorneys’ fees which are payable truly “deeded” with the unit, so the NMLS ID: 704461 out of the condominium budget and unit owner has sole responsibility [email protected] could result in a special assessment. for maintenance and repairs. In some states, you can run a search Sometimes, they are common of the condominium association areas in which the unit owner has

14 15

bostonprivate.com We applaud the Allston Brighton CDC on 10 QUESTIONS TO ASK BEFORE BUYING working together to build the community. the exclusive right to use, but the personal possessions and interior maintenance and repair is left with damage in case of a roof leak, water the association. Review the Master pipe burst, or other problem arising Deed and Unit Deed for these details. from a common area element. Ask CambridgeTrust.com Member FDIC for a copy of the master insurance 10. What Does The Master Insurance policy and don’t forget to check the Policy Cover? fine print of the by-laws. Sometimes, The condominium should have up there’s language that would hurt to $1M or more in coverage under a unit owner in case of a common CONTACT their master condominium policy. area casualty. Condominiums Katherine Meisenheimer over 20 units should also have Real Estate Broker For a buyers own protection, they BRIGHTON should always purchase an individual fidelity insurance to protect against Tel 617-767-4882 HO-6 policy covering the interior and embezzlement. FENWAY Fax 617-332-3737 contents of the unit, because the Source: Rich Vetstein, Email [email protected] NEWTON master policy and condo by-laws www.massrealestatelawblog.com 370 Chestnut Hill Ave, Brighton MA 02135 may not cover all damage to their WATERTOWN www.CentreRealtyGroup.com

99 Rosewood Dr Suite 225, Danvers MA 01923 [email protected] NMLS29613 | NMLS3029 GeorgeKoutsos.com | 978.777.4663 Your First Time Homebuyer Expert | MassHousing Platinum Level Loan Officer

Buying your first home? WE ARE HERE TO HELP, EVERY STEP OF THE WAY!

@FairwayNewEngland WWW.FAIRWAY-NEWENGLAND.COM

Copyright © 2019 Fairway Independent Mortgage Corporation. NMLS#2289. 4750 S. Biltmore Lane, Madison, WI 53718, 1-866-912-4800. All rights reserved. Equal Housing Lender. MA Mortgage Broker and Lender License #MC2289. MA Loan Originator License 2289.

16 17 FAIR HOUSING

• Deny or make different terms or • You are given different terms or conditions for a mortgage, home conditions for signing a lease than loan, homeowners insurance other applicants. or other real estate related • You are told that you can’t or transaction; shouldn’t buy the house because the It is illegal to advertise housing neighbors might be unfriendly, or they for rent or sale in a way that is may not accept families like yours. discriminatory. • You are only shown homes in It is illegal to “blockbust for profit”; certain parts of town. persuading owners to sell their • You are not given the opportunity homes by telling them minority Fair Housing: Knowing your to negotiate. groups are moving into the rights and what to do if they have been violated neighborhood. Home seekers have the right It is illegal to threaten, coerce, or to expect: intimidate anyone attempting to • Housing in their price range exercise his or her fair housing rights. to be made available without It is illegal to: discrimination; Under federal and state Examples of behavior anti-discrimination laws it • Refuse to rent, sell, or negotiate that may be housing • Equal professional service; the for housing on the basis of the is illegal to discriminate in discrimination: opportunity to consider a broad characteristics of a protected class; range of housing choices; no housing sales and rentals as • You call and get an appointment to discriminatory limitations on • Make housing unavailable or deny look at a house, but when you get well as in housing lending communities or locations of that housing is available; there, you are told that the house and insurance on the basis housing; • Set different terms, conditions or was just sold. of protected classes. • No discrimination in the financing, privileges for the sale or rental of • You are told that the apartment has appraising or insuring of housing; housing; been rented, but it is listed in the paper again. • Reasonable accommodations in THESE CHARACTERISTICS ARE CALLED “PROTECTED CLASSES” rules, practices, and procedures for • You are told a higher selling price persons with disabilities; Race Age Family status Source of income than what was advertised, or what Color Gender (families (have a housing subsidy you hear others being told. • Non-discriminatory terms and with children, (Section 8)and/or receive conditions for the sale, rental, National origin Sexual • You are told that they cannot rent orientation single parents, welfare or some other financing, or insuring of a dwelling; Religion unmarried public assistance) to families with children because Military history parents) the house has lead paint. • To be free from harassment or Disability intimidation for exercising their fair • You are told that only married housing rights. couples can purchase the unit.

18 19 FAIR HOUSING FAIR HOUSING

General guidelines to avoid problems - based on their race, U.S. Department of Housing and Massachusetts Commission Against discriminatory actions: disability, accent, family size, etc. - Urban Development Discrimination that is illegal discrimination. Agents in a real estate transaction, New England Office One Ashburton Place licensed brokers or salespersons are To avoid breaking the law: 10 Causeway Street, Sixth Floor, Room 601 prohibited by law from discriminating Suite 308 Boston, MA 02108 • Treat everyone alike. on the basis of protected class. Boston, MA 02222 Phone: 617-994-6000 A request from the home seller or • Provide consistent and complete 800-827-5005 TTY: 617-994-6196 landlord to act in a discriminatory information to everyone. Online complaint form at www.mass.gov/mcad manner in the sale, lease, or rental www.hud.gov • Make decisions based only on cannot be legally fulfilled by the real Source: The Fair Housing Center of objective criteria. estate professional. Greater Boston • Do not make credit assumptions Home sellers and landlords have based on non-credit factors. a responsibility and a requirement under the law not to discriminate • Know the law. in the sale, rental, or financing of property. Under the law, a home IF YOUR RIGHTS HAVE BEEN seller or landlord cannot establish VIOLATED CONTACT: discriminatory terms or conditions The Fair Housing Center of in the purchase or rental; deny that Greater Boston housing is available only to persons 262 Washington Street, 10th Floor Jackson Home Inspection, Inc. in a protected class; or instruct Licensed Home Inspectors / Extensive Construction Backgrounds an agent or broker to convey such Boston, MA 02108 Over 50 Years Combined Experience limitations to potential applicants. Phone: 617-399-0491 Immediate 7 Day A Week Scheduling Available Fax: 617-399-0492 Detailed Computerized Report Even when illegal discriminatory First Time Buyers Welcome TTY users, please call the MA Relay Serving Massachusetts and New Hampshire actions are not intentional, they are Service at 1-800-439-2370 978-475-0444 still illegal. Email: [email protected] www.jacksonhomeinspection.com If you offer options to one applicant www.bostonfairhousing.org and not to another based on their membership in a protected class, it is The Fair Housing Center of Greater illegal discrimination. Boston will support you to file the ARE YOU A FIRST-TIME HOMEBUYER? appropriate complaints with The If you make assumptions about Competitive rates • Multiple products US Department of Housing and Down payment options as low as 3%! potential tenants or clients - about Urban Development (HUD) and the their ability to pay, about their Massachusetts Commission Against Mike Angers, Vice President likelihood of being “good” clients, Discrimination (MCAD). Direct: 781-526-5700 about their potential for causing [email protected]

www.leaderbank.com/agent/mangers Lender NMLS# 449250 NMLS MLO# 30934

20 21 FAIR HOUSING

• “Le mostraré el apartamento luego Conducción de ver su tarjeta de residente…” Es ilegal “conducir” a quienes buscan • “¿Es Ud. Estadounidense?…” vivienda hacia ciertas comunidades, o vecindarios debido al origen o • “ Necesito ver pruebas de que Ud. es nacionalidad. residente…”

¿Cree que alguien ha • “Una persona debe hablar inglés…” ¿Porqué molestarse luchando contra la discriminación en la infringido sus derechos ¿Le parece conocido? vivienda? de vivienda justa? Si es así podría ser que sus Si lucha contra la discriminación en derechos de vivienda justa hayan la vivienda podría lograr lo siguiente: sido infringidos. Las leyes estatales y federales indican que es illegal • La vivienda que desea; discriminar contra quien busca ¡¡PÓNGASE EN CONTACTO • Compensación por costos tales ¡¡¡ANÓTELO!!! vivienda basándose en su raza, como los de traslado o cuotas por CON El Centro para una origen o nacionalidad. vivienda temporal; ¡Lo más importante que puede Vivienda Justa!! hacer para ayudarse a sí ¡¡Es ilegal que los propietario s o • Pago por daños emocionales Los miembros del centro intentarán agentes de bienes raíces se nieguen sufridos como resultado de la mismo es anotar los detalles resolver el problema trabajando a rentar en base a raza, color, lugar discriminación; de lo sucedido! Haga un directamente con Ud. o refiriendo de nacimiento, ascendencia, cultura o “horario” de lo que pasó cuando el caso a un abogado, al U.S. Dept. lenguaje!! • Una orden que prohiba la trató de rentar o comprar un of Housing and Urban Development discriminación en el futuro o que Publicidad lugar para vivir. o al Massachusetts Commission exija que el dueño o el agente Against Discrimination. El centro Es ilegal que un periódico, un le venda a otras personas que no tomará ninguna acción en su propietario o un agente de buscan vivienda y que pertenezcan nombre a menos que cuente con su a un grupo bajo protección. Asegúrese de incluir lo bienes raíces imprima o efectúe consentimiento. Puede llamarnos declaraciones discriminatorias. • El pago de las cuotas de su siguiente: al (617) 399-0491. Al llamar, sírvase abogado (algunos abogados • Fecha y hora del suceso; esperar mientras se le comunica con Diferentes Términos y toman casos bajo el acuerdo de un intérprete. Condiciones • Nombres, direcciones y números que se les pagará solamente si los de teléfono de todas las personas • “Hemos decidido quitar el Es ilegal exigir depósitos de ganan). involucradas; apartamento del Mercado seguridad o cargos por renta • La satisfacción de saber que temporalmente…” adicionales, o hacer el proceso de luchó contra la discriminación • Todo anuncio acerca de la solicitud más dificil debido al origen • “Se sentirá más cómodo en otro y de que otra gente no tendrá vivienda; o nacionalidad vecindario…” que experimentar el dolor y la • Todo documento que se le haya frustración que Ud. experimentó. entregado.

22 23 Your prosperity is our purpose. Anatomy of a Mortgage By: Molly Goodman, Manager of Homeownership and Counseling

Santander applauds Allston-Brighton Interest – The amount the lender Community Development Corporation What is PITI? Principal, charges for lending the money. This interest, taxes, insurance is the ongoing cost of borrowing for making a real difference. (PITI) is the sum of a mortgage the money. The interest rate on a payment that includes the mortgage has a direct impact on the size of a mortgage payment: Higher principal amount, loan interest, interest rates mean higher mortgage property tax, and homeowner’s payments. property and private mortgage Taxes – Property taxes assessed insurance premiums. by local government agencies. Property taxes are usually due on an annual or quarterly basis, but many Here’s how it works: mortgage lenders break the payment Principal + interest + mortgage down monthly, collect it with your insurance (if applicable) + escrow regular payment and set it aside in an (homeowners insurance and tax) = escrow account. total monthly payment Insurance – Depending on your loan If you live in a condo, co-op, or a type and down payment amount, neighborhood with a homeowners’ you could pay two different types association, you will likely have of insurance with your monthly bill: additional fees that are usually paid homeowners insurance and private santanderbank.com separately. mortgage insurance. Like property taxes, the insurance premiums may Principal – The amount borrowed be escrowed as part of the monthly ©2019 Santander Bank, N.A. All rights reserved. Santander, Santander Bank and the Flame logo are trademarks of Banco Santander, S.A. or its subsidiaries in the United States or other countries. All other that must be paid back. A portion of mortgage payment. trademarks are the property of their respective owners. 362601 09/2019 each mortgage payment is dedicated to repayment of the principal balance.

24 25 ROAD TO HOMEOWNERSHIP Road to Homeownership

26 27 HOW LONG DOES IT LAST?

PLUMBING LIFE ESTIMATED ROOF LIFE ESTIMATED IN YEARS IN YEARS Gas Hot Water 8 to 12 Selvage or 12 to 20 Heater Asphalt Roll Electric Hot 10 to 15 Wood Shake 15 to 20 Water Heater and Shingle Private 15 to 25 Asphalt 15 to 20 Disposal Fiberglass 15 to 20 System (Septic) Asbestos 30 to 50 Shingle How Long does it Last? Galvanized 30 to 50 Water Pipes Slate 40 to 75 Source: www.oldhouseweb.com

As you go through your home APPLIANCES LIFE ESTIMATED inspection it’s good to know IN YEARS how soon the various systems Dishwashers 5 to 12 will need to be replaced. Disposals 5 to 12 James Brock This information can help Washers & 8 to 12 1326 Columbia Rd you decide if you want to go Dryers South Boston, MA 02127 forward with the purchase, Water Heaters 8 to 12 OFFICE: 617-464-1047 renegotiate, or pull out from [email protected] the deal. Below is the average Refrigerators 15 to 20 www.bhi.us life of the various systems that Stoves 15 to 20 you’ll find in your new home. HEATING & AIR LIFE ESTIMATED CONDITIONING IN YEARS Warm Air 8 to 12 Furnace GUTTERS AND LIFE ESTIMATED DOWNSPOUTS IN YEARS Heat Pumps 8 to 12 Galvanized 15 to 20 Air Conditioning 8 to 15 Compressors Copper Life of home if well-maintained Hot Water 30 to 50 Boilers

28 29 HOW TO PROTECT YOUR FAMILY FROM LEAD

SELLERS have to disclose known • Talk to your landlord about fixing information on lead-based paint and surfaces with peeling or chipping lead-based paint hazards before paint. selling a house. Sales contracts must • Take precautions to avoid exposure include a disclosure about lead- to lead dust when remodeling or based paint. Buyers have up to 10 renovating (call 1-800-424-LEAD for days to check for lead. guidelines). How to Protect Your RENOVATORS disturbing more than 2 • Don’t use a belt-sander, propane square feet of painted surfaces have torch, high temperature heat gun, Family from Lead to provide information about lead scraper, or sandpaper on painted Source: Department of Housing and Urban Development before starting work. surfaces that may contain lead. If you think your home has • Don’t try to remove lead-based high levels of lead: Lead is even more dangerous paint yourself. Many houses and apartments • Get your young children tested for to children under the age of 6: Call the National Lead Information built before 1978 have paint lead, even if they seem healthy. Center at 1-800-424-LEAD (424- • At this age children’s brains that contains high levels of 5323) to learn how to protect your and nervous systems are more • Wash children’s hands, bottles, lead (called lead-based paint). household from lead poisoning sensitive to the damaging effects pacifiers, and toys often. Lead from paint, chips, and and for other information on lead of lead. • Get your home checked for lead dust can pose serious health hazards. • Children’s growing bodies absorb hazards. hazards if not taken care of To access lead information via the more lead. properly. • Regularly clean floors, window sills, web, visit www.epa.gov/lead and • Babies and young children often and other surfaces. www.hud.gov/offices/lead/.7887u8 put their hands and other objects People can get lead in their • Wipe soil off shoes before entering in their mouths. These objects can house. body if they: have lead dust on them

• Breathe in lead dust (especially Federal law requires that individuals during renovations that disturb receive certain information before painted surfaces). renting, buying, or renovating pre- • Put their hands or other objects 1978 housing:

covered with lead dust in their LANDLORDS have to disclose known Buyer Representation Commercial Real Estate Refinancing Closing Attorneys Seller Representation mouths. information on lead-based paint and Business Formation Attorneys: • Eat paint chips or soil that lead-based paint hazards before Nancy A. Lee, Esq. June Oh, Esq. Michelle Nguyen, J.D. Sarah Chung, Esq. Georgia Crowninshield, Esq. leases take effect. Leases must contains lead. Languages Available: include a disclosure about lead- *Korean *Chinese (Cantonese, Mandarin, Toisanese) *Vietnamese based paint. 40 Willard Street, Suite G101, Quincy, MA 02169 Tel: 617-934-1668 www.leeassociatespc.com

30 31 HOW TO PROTECT YOUR FAMILY FROM LEAD

In fact, today’s homebuyers can that you get prepared. One of the expect to save hundreds of dollars a most important steps is a first- month compared to other first-time time homebuyer class. All ONE homebuyer loan products, including Mortgage borrowers are required to FHA. This monthly savings could complete an approved class, and the mean the difference between buying information you’ll learn is invaluable. or not buying, saving for a child’s Allston Brighton CDC is a valuable education, or simply keeping up with partner in this effort and can help your monthly bills while securing a you with all of your homebuyer ONE Mortgage future nest egg. education needs. Source: Elliot Schmiedl of Massachusetts Housing Partnership In addition to saving homebuyers Next, you’ll want to visit our money, ONE Mortgage has actively website, www.mhp.net/one- helped to combat the racial mortgage. Here you can use our If you’ve been thinking about buying homeownership gap that persists in ONE Mortgage Calculator to help America today. In Massachusetts determine whether or not you may Buying your first home is a home or have been actively looking alone, African-American and Latinx qualify for ONE. Upon entering the opportunity of a lifetime. for a home in Massachusetts, you households own their own homes your own case-specific information, When done the right way, know how challenging it can be. The market is tight because of low at half the rate of white households. our calculator will estimate how homeownership can provide inventory and high demand, pushing This dynamic has barely changed much home you could afford and you and your family with prices to all-time highs. Credit since the civil rights era and what you’re monthly payment years of affordability, stability, standards are tighter than ever, perpetuates inequities that erode might be. On our website you can and wealth building. The and today’s first-time homebuyers the fabric of our society. Our long also find down payment assistance track record of providing affordable programs and lenders who offer the ONE Mortgage is a state- are often struggling to balance expenses and pay off student and sustainable mortgage loans to ONE Mortgage. sponsored loan product for households of color stands apart loans. There’s more than enough If you still have questions after visiting first-time homebuyers that’s from any other loan product. to worry about before you ever start our website, please call or email the been helping Massachusetts searching for a mortgage. That’s If you’re looking to buy your first ONE Mortgage team at 1-800-752-7131 residents achieve their dreams where the ONE Mortgage stands home and are interested in the or [email protected]. of homeownership for nearly out – as Massachusetts’ most ONE Mortgage, it’s important 30 years. With down payments affordable mortgage! as low as 3%, low, fixed interest Originally created in the early 90’s rates, and no private mortgage as a response to redlining and other insurance (PMI), it’s no wonder fair lending concerns, ONE Mortgage over 22,000 households have (previously called the SoftSecond purchased their first home Loan Program) was designed to save homebuyers money and with ONE. increase their purchasing power.

32 33 Kevin MacDonald NMLS# 129816 Contact me today. Mortgage Account Officer

617-999-7744 peoples.com/macdonald [email protected] Energy Saving Tips: Ten Ways to be More Energy When purchasing a home you Efficient in Your Home need a buyer's agent to look out Source: Mass Save masssave.com/en/learn/residential/energy-saving-tips/ for your best interest.

C all Prime Realty Group, we are ready to serve you. 60 Leo M. Burmingham Parkway Suite 102 3. Set your refrigerator to 35 to 38 Brighton, MA 02135 Creating a more energy degrees Fahrenheit and your Phone: 617-254-2525 efficient home isn’t just good www.primerealtygroup.org freezer at 0 degrees Fahrenheit. for the planet; it’s also good Anything above that is a waste of for your wallet! Learn more to energy. Keep your refrigerator and create a greener home with freezer full so they don’t have to Transactional Law Clinics these 10 tips. work as hard to stay cold. of Harvard Law School 4. Keep the burners clean on your gas range to ensure maximum Business and Non Profit Law Clinic 6 Everett St. 1. Look for ENERGY Cambridge, MA 02138 efficiency. Blue flames mean Music and Entertainment Law Clinic STAR® electronics. If you’re 617-998-0101 good combustion, while yellow Real Estate Law Clinic shopping for a new computer, 617-998-0146 printer, or other device, look for flames mean service may be Community Enterprise Project www.harvardtlc.org ones that have the ENERGY STAR. needed to ensure the gas is These electronics use less energy— burning efficiently. and save more money—than ones 5. If you’re heading out of town that do not have this rating. for an extended period of time, WELLESLEY 2. Use the power management turn your electric water heater NEWTON settings on your computer and off entirely. Once turned back on, BOSTON monitor so they sleep when not most models will reheat the water in use. Shut down your computer to the set temperature in about WELLESLEYBANK.COM when you’re done using it. an hour. If you have a gas water heater, turn it down to “low” or Member FDIC | Member SIF | Equal Housing Lender TEL (781) 235-2550 “vacation mode.”

34 35 ENERGY SAVINGS TIPS

6. Use low-flow faucet aerators 9. Adjusting your thermostat and showerheads to waste less a few degrees leads to big hot water. A low-flow showerhead savings. When home, set it at uses two gallons of water per 78 degrees Fahrenheit or higher minute or less. for cooling and 68 degrees Fahrenheit or lower for heating. 7. Wash clothes in cold water Change the thermostat 7 to 10 whenever possible. Washing degrees Fahrenheit each time you clothes with cold water usually leave the house for two or more does not affect cleaning results hours, and then again when you and may reduce shrinkage. go to sleep at night. If you have a Declutter Your Home Source: Good Housekeeping 8. Check your furnace air filter condensing boiler or an air source heat pump, leave your thermostat every month, especially during at a constant indoor temperature. heavy use months (winter and Its technology adjusts your summer). If the filter looks dirty, Four-Box Method: When tackling system’s temperature in response Once you’re finally settled into change it. At a minimum, change each room, use the four-box method. to the outdoor temperature. the filter every three months. Dirty your new home, it’s surprising Go through items in rooms and place filters slow down airflow and make 10. Affix a heavy-duty, clear just how quickly things can them in one of four boxes: trash, the system work harder, thereby plastic sheet or film to the get messy. Junk drawers turn donate, keep, or relocate. This will wasting energy. A clean filter will inside of your window frames to junk rooms and it can be let you take stock of every item and also prevent dust and dirt from during the cold winter months. tough to know how to start figure out where it belongs. building up in the system, leading Make sure the plastic is sealed organizing. While it may seem Maximize Vertical Space: With to expensive maintenance or early tightly to the frame. Install tight- impossible, decluttering your small spaces, using vertical space system failure. fitting, insulating drapes or shades space is not only good for can be a great way to create more on windows that feel drafty. organization in your home. Utilize tall aesthetic value, but it can also shelving and store things that you improve your mental health! use less frequently on higher shelves. When your home is organized, you and your family can feel Visibility: When organizing items, choose containers that are either more at ease. transparent or easily labeled. This way, everyone in your household will Whether you’re about to buy a home easily recognize where specific items and want to start good habits, or you are kept and will know where to store want to spruce up your current space, them in the future. check out these tips for decluttering File Fold Your Clothes: Fold towels your home! and clothing upright and then line

36 37 DECLUTTER YOUR HOME KDS LAW, PC Kyle Smith them in rows in drawers so you 2020 (857) 576-0827 can see everything at first glance. [email protected] This style of folding is known as Directory of https://kdslawpc.com/ the “KonMari Method” and was created by Marie Condo. This method Resources maximizes space and lets you easily LAW OFFICES OF DONALD M. HADGE see all of your clothing at a glance. Homeownership & Counseling Donald Hadge www.allstonbrightoncdc.org (781) 326-2424 5-Minute Rule: To keep up organized @ABHomeownership [email protected] habits, employ the 5-minute rule. If @allbrightcdc https://hadgelawboston.com/ a task takes less than 5-minutes to Facebook.com/allstonbrightoncdc complete, do it immediately and don’t procrastinate! This can keep small LEE & ASSOCIATES, P.C. Nancy A. Lee, Esq. messes in check before they become ATTORNEYS full blown messes. (617) 934-1668 ADAMS & SAMMON [email protected] Organization doesn’t happen Leslie C. Sammon www.leeassociatespc.com overnight, but we hope these tips help (617) 451-7241 you create a happier, healthier home! [email protected] SKM TITLE & CLOSING SERVICES, PC CUSHNER & BLOOM, P.C. Dustina Bennett Steven Bloom (617) 277-7887 (617) 608-0019 [email protected] [email protected] https://www.weclosetheloan.com/ www.cushnerbloom.com FORECLOSURE PREVENTION DWYER, RUGGIERI, SPINO & GONCALVES LLC BOSTON HOME CENTER Jeff Larnard 26 Court Street Boston, MA 02108 (617) 337-4255 [email protected] (617) 635-HOME (4663) https://drsglaw.com/ [email protected] https://www.boston.gov/housing/ GILMARTIN MAGENCE LLP bostonhome-center Elina Ouarraoui (617) 375-9000 [email protected] https://gmlawllp.com/

38 HOMEOWNER OPTIONS FOR LIZ MARTIN HOME INSPECTIONS JOHN J. RYAN INSURANCE AGENCY CHASE BANK MASSACHUSETTS ELDERS (HOME) Liz Martin Jack Ryan Marion Crean (978) 970-0012 (617) 447-0747 (617) 254-0600 (617) 599-8393 http://elderhomeowners.org/ [email protected] [email protected] [email protected] www.LizMartinInspections.com www.johnjryaninsuranceagency.com/ http://homeloan.chase.com/ NATIONAL CONSUMER LAW CENTER marion.p.crean (617) 542-8010 J. MAY HOME INSPECTIONS LIBERTY MUTUAL INSURANCE www.nclc.org Mike Atwell Joseph Gonzales GEORGE KOUTSOS (617) 630-5629 (617) 374-3741 x 54781 CrossCountry Mortgage NEIGHBORHOOD OF AFFORDABLE [email protected] [email protected] (877) 351-3400 HOUSING (NOAH) https://www.jmhi.com/ www.libertymutual.com/ George.Koutsos@myccmortgage. (617) 567-5882 com www.noahcdc.org JACKSON HOME INSPECTION VARGAS & VARGAS https://georgekoutsos.com/ Raymond Jackson Luisa Vargas URBAN EDGE (978) 475-0444 (617) 298-0655 LEADER BANK, N.A. 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Macdonald [email protected] [email protected] (617) 323-5259 (617) 999-7774 www.advancedbuildinginspectors. www.patnode.com [email protected] [email protected] com/ www.brooklinebank.com www.peoples.com/macdonald HUB INTERNATIONAL BOSTON HOME INSPECTORS Maurice Rubino CAMBRIDGE TRUST ROCKLAND TRUST James Brock (781) 572-1403 Dina M. Scianna John Allard (617) 464-1047 [email protected] (617) 441-1430 (617) 448-8324 [email protected] www.hubinternational.com/ [email protected] [email protected] www.bhi.us www.cambridgetrust.com www.rocklandtrust.com SANTANDER THUMBPRINT REALTY NON-PROFIT & OTHER RESOURCES HARVARD TRANSACTIONAL Steven Roussel Nathan Johnson LAW CLINIC CITIZENS’ HOUSING AND PLANNING (617) 686-7988 (617) 433-8839 6 Everett Street, Suite 4103 ASSOCIATION (CHAPA) [email protected] [email protected] Cambridge, MA 02138 (617) 742-0820 www.santanderbank.com/us/ nathanjohnson.thumbprintrealty.com (617) 998-0101 www.chapa.org personal STATE MORTGAGE PROGRAMS CHAPA’s mission is to encourage the MASSACCESS: THE ACCESSIBLE WELLESLEY BANK production and preservation of housing HOUSING REGISTRY MASSACHUSETTS HOUSING Brian Lynch that is affordable to low-income www.massaccesshousingregistry.org/ PARTNERSHIP (781) 489-7614 families and individuals through [email protected] The MassAccess Housing Registry [email protected] research and advocacy campaigns. www.mhp.net/onemortgage helps people find affordable housing in www.wellesleybank.com Massachusetts. A key feature of the Designed for first-time homebuyers, the FAIR HOUSING CENTER OF Registry is to highlight homes for REAL ESTATE SALES ONE Mortgage Program offers GREATER BOSTON people with disabilities who need homebuyers the comfort of knowing (617) 427-9740 CENTRE REALTY GROUP accessible or barrierfree housing. their mortgage is financially [email protected] Katherine Meisenheimer sustainable, with features such as an www.bostonfairhousing.org (617) 767-4882 MASSACHUSETTS AFFORDABLE affordable, fixed interest rate, a low [email protected] A non-profit organization focused on HOUSING ALLIANCE (MAHA) down payment, no PMI, and a low www.facebook.com/ ending illegal housing discrimination in (617) 822-9100 monthly payment. bostonhomehunter the Greater Boston area. [email protected] www.mahahome.org MASSHOUSING CHANNING REAL ESTATE GREATER BOSTON LEGAL SERVICES [email protected] Conducts workshops for first-time Michael Helsmoortel (617) 371-1234 www.masshousing.com homebuyers and homeowners. (617) 864-5400 www.gbls.org Facebook.com/masshousing Coordinates statewide campaigns for [email protected] Twitter: @MassHousing Provides legal assistance to low- increased investment in affordable www.realtorofgreaterboston.com income people. Issues covered include rental and homeownership housing, Prime Realty MassHousing provides affordable home housing, immigration, employment including MHP’s ONE loan program. Norman O’Grady mortgages and home improvement related concerns, public benefits, (617) 254-2525 loans for low- and moderate income domestic violence, and legal issues of MASSACHUSETTS BAR LAWYER [email protected] homebuyers.Features include 30-year importance to elders. REFERRAL SERVICE www.primerealtygroup.org terms, fixed interest rates and job loss (617) 654-0400 protection insurance that helps pay HARVARD PUBLIC AFFAIRS & www.masslawhelp.com RE/MAX SELECT REALTY your loan if you lose your job. COMMUNICATIONS Kevin Cleary Provides referrals to find real estate Harvard University (617) 787-9800 and other attorneys. Cambridge MA 02138 [email protected] (617) 496-2289 www.clearyresidential.com U.S. SENATOR ELIZABETH STATE REPRESENTATIVE CITY OF BOSTON RESOURCES financial assistance help with lead- WARREN KEVIN HONAN based paint abatement. BOSTON FAIR HOUSING 2400 JFK Federal Building State House, Room 38 COMMISSION 15 New Sudbury Street Boston, MA 02133 RENTAL HOUSING RESOURCE (617) 635-2500 Boston, MA 02203 Office: 617-722-2470 CENTER [email protected] Office: 617-565-3170 Fax: 617-722-2162 (617) 635-4200 www.boston.gov/departments/ [email protected] www.warren.senate.gov [email protected] Fairhousing-and-equity www.cityofboston.gov/rentalhousing www.malegislature.gov/People/ U.S. REPRESENTATIVE Profile/kgh1 Enforces city, state, and federal Provides advice, information and AYANNA PRESSLEY assistance to Boston landlords and housing laws. 1700 Dorchester Avenue tenants. STATE REPRESENTATIVE Dorchester, MA 02124 MICHAEL MORAN ELECTED OFFICIALS Office: 617- 850-0040 BOSTON PLANNING & State House, Room 42 www.pressley.house.gov DEVELOPMENT AGENCY To find your local elected officials Boston, MA 02133 www.bostonplans.org and voting information, visit the Office: 617-722-2014 STATE GOVERNMENT following sites: [email protected] Oversees affordable rental and www.wheredoivotema.com GOVERNOR CHARLIE BAKER www.malegislature.gov/People/ homeownership lotteries. malegislature.gov Office of the Governor Profile/mjm1 vote-usa.org State House, Room 280 STATE SENATOR CITY OF BOSTON - INSPECTIONAL Boston, MA 02133 WILLIAM BROWNSBERGER SERVICES FEDERAL GOVERNMENT Office: 888-870-7770 or 617-725- State House, Room 504 [email protected] 4005 Boston, MA 02133 www.boston.gov/departments/ THE PRESIDENT OF THE TTY: 617-727-3666 Office: 617-722-1280 inspectional-services UNITED STATES Fax: 617-727-9725 William.Brownsberger@ Donald J. Trump Provides information regarding building [email protected] masenate.gov The White House permits, legal occupancy, and zoning. www.mass.gov www.malegislature.gov/People/ 1600 Pennsylvania Avenue NW Conducts free home inspections at Profile/WNB0 Washington, DC 20500 tenant’s request. MASSACHUSETTS ATTORNEY Switchboard: 202-456-1414 GENERAL MAURA HEALEY STATE SENATOR SAL Fax: 202-456-2461 LEAD SAFE BOSTON One Ashburton Place DIDOMENICO [email protected] The Boston Home Center Boston, MA 02108 State House, Room 208 www.whitehouse.gov (617) 635-4663 Office: 617-727-2200 Boston, MA 02133 [email protected] TTY: 617-727-4765 Office: 617-722-1650 U.S. SENATOR ED MARKEY dnd.cityofboston.gov/#page/lead_ [email protected] [email protected] 10 Causeway Street, Suite 559 safe_boston www.ago.state.ma.us www.malegislature.gov/People/ Boston, MA 02222 Profile/SND0 This program offers eligible Office: 617-565-8519 homeowners, landlords, or tenants www.markey.senate.gov Do You Have Student Loan Debt? CITY OF BOSTON 1 City Hall Square, Suite 550 Enroll in ABCDC's new student loan Boston, MA 02201 MARTIN WALSH counseling program today! Your student loan Office: 617-635-3115 1 City Hall Square, Suite 500 counselor will assist you in evaluating all the [email protected] Boston, MA 02201 repayment and loan forgiveness programs available to www.boston.gov/departments/ Office: 617-635-4500 you,such as income-based repayment plans and Public city-council/michelle-wu [email protected] Service Loan Forgiveness (PSLF). All appointments are www.boston.gov/departments/ DISTRICT 9 CITY COUNCILOR FREE and confidential! mayors-office LIZ BREADON 1 City Hall Square COUNCILOR AT-LARGE Contact us at 617-787-3874 x218 or Boston, MA 02201 MICHAEL FLAHERTY [email protected] [email protected] 1 City Hall Square, Suite 550 Boston, MA 02201 to get matched with a counselor! Office: 617-635-4205 [email protected] www.boston.gov/departments/ city-council/michael-flaherty

COUNCILOR AT-LARGE GOOD 1 City Hall Square, Suite 550 Boston, MA 02201 LENDS Office: 617-635-4376 [email protected] www.boston.gov/departments/ city-council/annissa-essaibi-george A good partner should share knowledge, expertise, and your desire to succeed. That’s why Eastern Bank has Mortgage Loan COUNCILOR AT-LARGE Officers ready to help with all of your home financing needs. To find out how you can partner with Eastern Bank contact: 1 City Hall Square Ellen Klapper Boston, MA 02201 NMLS# 457785 [email protected] 617-967-8461 [email protected] P Member FDIC This is not a commitment to lend. Visit 18R Shepard Street, Suite 100 Brighton, MA 02135

Email [email protected] Register now Online www.allstonbrightoncdc.org for one of our Call (617) 787-3874 upcoming

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