Pittsfield Cooperative Bank Offers Homebuying Assistance Through Umbrella Special Purpose Program

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PITTSFIELD, Mass. — Pittsfield Cooperative Bank (The Co-op) has been approved to participate in the Lift Up Homeownership program, a Federal Home Loan Bank of Boston pilot program, designed to provide financial assistance to people of color purchasing their first home.
 
People of color is defined as Black, American Indian or Alaska Native, Hispanic, Asian, and Native Hawaiian or Pacific Islander borrowers.
 
Through Lift Up Homeownership (LUH), people of color earning up to 120 percent of the area median income are eligible to receive up to $50,000 in down-payment and closing cost assistance on a first-come, first-served basis to purchase their first home in New England. The program begins July 10, 2023 and $2.5 million has been allocated for all of New England. Homebuyers are required to complete a homebuyer counseling program prior to receiving LUH funds, and must have a signed purchase and sale agreement.
 
"At a time when home prices and mortgage interest rates have risen sharply in New England, the dream of owning a home is beyond the reach of many. The Co-op is pleased to participate in the Lift Up Homeownership program and offer people of color a critical stepping stone to realizing their homeownership goals," said President and CEO J. Jay Anderson.
 
To learn more about applying for homebuying assistance through the Lift Up Homeownership program and other programs Pittsfield Cooperative Bank offers in partnership with Federal Home Loan Bank of Boston and other organizations, please contact Mary Coughlin at 413-629-1605 or Rich Whalen at 413-629-1610.

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BRPC Mulls Upcoming ADU Regulations

By Brittany PolitoiBerkshires Staff

PITTSFIELD, Mass. — County planners can see accessory dwelling units providing a "desperately needed" influx and diversity of housing in the Berkshires.

On Thursday, the Executive Committee of the Berkshire Regional Planning Commission approved draft comments on ADUs for Housing Secretary Edward Augustus. As a part of the Affordable Homes Act, accessory dwelling units under 900 square feet will be allowed by right on Feb. 2.

The draft letter will be revised before reaching the Executive Office of Housing and Livable Communities. It makes notes about the definition of a single-family zoning district, non-conformities, principal dwellings, parking, and access to water/wastewater.

"The Berkshire Regional Planning Commission (BRPC) commends the administration and legislature for removing regulatory barriers to allow the creation of accessory dwelling units (ADUs). Steps such as this have the potential to boost the supply and diversity of residential dwelling units, which is desperately needed in Berkshire County," the draft reads.

The housing office recently released ADU draft regulations that BRPC staff has reviewed and discussed with the region. Its suggestions aim to strengthen the regulations and remove uncertainty for communities.

Cornelius Hoss, BRPC's community planning and development program manager, explained that the big question was "What is a single-family zoning district?" This was clarified and BRPC has some concerns, feeling that it goes against best planning practices.

The definition includes dwellings allowed "by special permit, variance, waiver, or other zoning relief or discretionary zoning approval." The draft letter argues that allowing an ADU by right when a community has required a discretionary approval for a single-family dwelling appears to disregard whatever adverse impacts the community is trying to protect against.

"If a single-family home is allowable by right in that district, totally understand that. But going as far as to say that allowance of a use variance, which most of our communities allow, that then essentially creates all zoning districts in communities where use variance is allowable, that that qualifies as a single-family zoning district," Hoss said.

"So if that's where things stay in the end, at least we understand what their intent is. We just don't, from my perspective, we don't agree with that intent."

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