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First-Time Homebuyers/Affordable Housing
Program
The Greater Gardner CDC's First-Time Homebuyer/Affordable
Housing Program assists first-time homebuyers by offering
a comprehensive educational program and by providing homeownership
opportunities for qualified residents through housing rehabilitation
and new construction projects.
First-Time Homebuyer Education
Homebuyer counseling, workshops, and a first-time homebuyer
course, certified through the Massachusetts Homeownership
Collaborative, assist families in achieving their dream of
homeownership.
Our services are open to everyone regardless
of income level. If you are thinking of becoming a homeowner,
call us at 978-630-2975. Our Homebuyer Counselor can assess
where you are in the process of achieving your goal and help
you address any obstacles that may stand in the way.
First-Time Homebuyer Course
Participants receive a certificate stating they have completed
an 8-hour course for first-time homebuyers. Lenders require
this certificate for some mortgage products. Whether or not
you need first-time homebuyer education certification, taking
this course is a wise first step as you consider buying a house.
You will learn whether or not you are prepared for homeownership,
and if you are not, how to get into position to qualify for
a mortgage and handle the responsibility of homeownership.
Topics covered during the course include the following:
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Readiness for homeownership
(advantages/disadvantages) |
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Steps to homeownership |
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Special programs and
assistance for first-time homebuyers |
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Managing your money
(budgeting) |
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Understanding
credit |
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Members of the homebuying
team(building relationships) |
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Getting a mortgage
loan |
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Completing the purchase
process |
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Keeping your home
and managing your finances |
Download our current First Time Homebuyer Class Schedule.
Housing Resource Center
The Greater Gardner Housing Resource Center is a user-friendly
place where residents can find information about services
and programs available to meet housing needs in Gardner, Winchendon
and nearby communities. The Center offers a variety of flyers,
brochures, and other hand-outs. Someone is always available
to assist an inquirer.
Please call or email us to find out when our next First-Time Homebuyer Course begins.
Since 2001 the Greater Gardner CDC has been offering qualified
area residents an opportunity to afford a home of their own
through the organization's "Homeownership Opportunities"
program. Past projects have included three housing rehabilitations
and six single-family homes and a two-unit condominium built
by Monty Tech.
Greater Gardner CDC 2009 Homeownership Opportunities
for First Time Buyers
84 & 102 Cleveland Street, Gardner, MA ~ Call for more information

- Ranch Style Duplex Condominium Homes located on Dead-End Street
- Each Unit must be Owner-Occupied
- Each unit consists of: 6 Rooms 3 Bedrooms, 2 Full Baths
- Approx. 1,500 Sq. Ft.
- Open Concept Living
- Fully-Applianced Kitchen
- Solid Surface Countertops
- Hardwood Floors
- Ceramic Tile Kitchen, Baths and Laundry Room
- First Floor Laundry Room
- Front Porch
- 12 ft x 12 ft Rear Patio
- Full Basement
- Unfinished Oversized One Car Garage
- Air Exchange System
- 200 Amp Electric Service
- City Water and Sewer
- Approximately 28,000 Square Foot
- Lot Landscaped
For more information & applications, call the Greater Gardner CDC 978-630-2975.
*The definition of “First Time Homebuyer” includes, but is not limited to, anyone who has not owned a home in the last three years, or is a displaced homemaker, or households with at least one member 55 years or older. Call us for more detailed information.
Applicants will be qualified regardless of race, creed, color, sex, age, disability, marital status, sexual orientation, veteran status or any other basis prohibited by law. Potential buyers must not exceed $71,500 annual income, complete a Buyer Application Package, complete a Certified First Time Homebuyer Education class and qualify for a traditional fixed rate mortgage. Home to be sold on a First come, first served basis. Translation services and reasonable accommodations for disabled persons upon request.
Built with pride by the Montachusett Regional Vocational Technical School.
COMPLETED PROJECTS
Gardner Projects
Wasa Street
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Guild Road |
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Templeton Projects
Winchendon Projects |
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Gardner
The Greater Gardner CDC partnered once again with Monty Tech to build a 3-bedroom single-family home in Gardner, which was completed in June 2008.

41 Clairmont Street
Winchendon
The GGCDC recently completed two modular homes in Winchendon in June 2008. These well-built homes have three bedrooms and two baths. During the second half of 2008, the CDC anticipates building another single-family home in Winchendon. More details will be forthcoming.
Modular homes on River Street
562 River Street |
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558 River Street |
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Housing Committee
Dick Williams, Chair, Dave Curran, Glenn Eaton, Mark
Goldstein, Shaun Grimley, Dan Keeney, Sue Monette, Bob Taylor,
Gerry White.
Contact Douglas Pochini for more information. |