All 40 new constructed condominiums are available FOR SALE only to qualified first-time buyers. This affordable housing community offers 2- and 3-bedroom units, each with modern finishes, an attached one-car garage, and up to 1.5 baths. Units range up to 1,509 in square feet. To purchase, you must be a qualified first-time homebuyer, with an income up to 80% or 100% of the Area Median Income (AMI). Household assets must not exceed $100,000 in total (additional restrictions may apply). You must complete an application and provide a mortgage pre-approval letter and all required documentation to be considered. All are encouraged to apply!
*You must not exceed the total Area Median Income (AMI) limit for your household size and unit size selected in order to be eligible.
*The AMI limit is determined by the US Department of Housing and Urban Development (HUD) and subject to change annually.
*Your total Assets cannot exceed $100,000 to qualify.
*Total household income is based on household size and will determine your eligibility.
*FHA and VA loans not eligible at this time.
All units are offered first-come, first-serve. You MUST submit an application and provide a mortgage per-approval letter and all required documents to be determined eligible.
Download your application by clicking "Apply Now" below.
You may also obtain an application by:
Visiting: 1350 Main Street, Suite 1108, Springfield, MA 01103
Office hours are Monday through Friday from 10am - 2pm or Saturday 9am - 1pm
Email: info@geminispringfield.com
Call/Text: 413-707-2455 (TTY 711)
You may securely upload your completed application by clicking on the below "Application Submission Link"
or
Email to: lotteryinfo@mcohousingservices.com
Fax to: 978-456-8986
Mail to: MCO Housing Services, LLC
P.O. Box 372
Harvard, MA 01451
Overnight mailing address: 206 Ayer Road, Harvard, MA 01451
IMPORTANT: You MUST create a login account, create a folder with your first and last name in the "Springfield" folder, and upload the application and all documents in your folder.
The application provides the eligibility criteria. There are income and asset guidelines to qualify. Generally, you need to be a first-time home buyer and meet the eligibility requirements. There are exceptions to the first-time homebuyer requirements which are listed under the appropriate FAQ below.
This affordable housing community offers both 2- and 3-bedroom units as well as handicap accessible units, catering to a variety of family sizes and needs.
Units are allocated through an application process as first-come, first-serve. This is designed to ensure a fair and equitable opportunity for all eligible applicants to purchase a home.
The household income and asset limits are established based on the area’s median income and are intended to support affordable housing availability for moderate to low-income families. Specific limits are provided by the housing program or authority overseeing the process and can vary by location and household size. The Monitoring Agent will determine eligibility based on financial documents submitted with the application.
Yes, there are certain exceptions to the first -time homebuyer requirement. They are:
Applicants interested in participating in a unit must complete the application process. For this, a mortgage pre-approval is required along with other documentation, if applicable. Your financial documentation, proof of income, assets, tax returns, will be required only if you have the opportunity to purchase post lottery. You can apply by downloading the application found on this page and following the submission instructions.
This process provides you with opportunity to purchase only. You will need to provide all income, asset and tax documentation and a mortgage pre-approval letter along with your application to determine program eligibility. If you are determined eligible then you will move forward with the purchase process.
Yes, however there may be restrictions on the sale price which depends on how long you own the unit. A Deed Rider will be signed at closing which will state the resale process. The application provides a summary of restrictions based on the 80% and 100% AMI designated units. The Deed Rider will be provided with the Purchase and Sale Agreement, if you have the opportunity to purchase.
Refer to the Application which can be found under the How to Apply tab on the above navigation bar.
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