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Foreclosure Help

If you are at risk of losing your home, there are things you can do – starting with contacting one of our district offices. There are a number of federally-sponsored programs available to assist homeowners who are having trouble with their home loans, and our staff can help you navigate that process.

Please note, however, that Members of Congress and their staff cannot order a mortgage or home lender to decide a matter in your favor.

The following are agencies or organizations that offer free or low-cost foreclosure prevention programs, as well as information on numerous foreclosure scams that prey on vulnerable homeowners.

The US Department of Housing and Urban Development

HUD offers a variety of resources for homeowners at risk of foreclosure and provides free housing counseling services throughout the country. HUD-approved counselors can help homeowners navigate with their lenders when assistance is needed.

Making Home Affordable

As part of President Obama’s Homeowners Affordability and Stability Plan, Making Home Affordable helps to facilitate more affordable refinanced mortgages. Basic eligibility requirements are listed below, but you should also contact the program to see if you qualify.

  • You live in the home or have lived there in the last 12 months.
  • You have a documented financial hardship.
  • You have not purchased a new house within the last 12 months.
  • Your first mortgage is less than $729,750.
  • You obtained your mortgage on or before January 1, 2009.
  • You must not have been convicted of a crime in connection with a real estate transaction.

Homeownership Preservation Foundation

The Homeownership Preservation Foundation is a nonprofit group that helps homeowners avoid mortgage foreclosure. The organization runs HOPE for Homeowners, a toll-free national hotline that offers free counseling advice from a third party, HUD-certified, not-for-profit network of counseling agencies dedicated to helping homeowners avoid foreclosure.

  • Homeowner’s HOPE Hotline: 888-995-HOPE (toll free)
  • Homeowner’s HOPE Hotline (hearing impaired): 877-304-9707 TTY


NeighborWorks was created by Congress to provide financial support, technical assistance and training for community revitalization efforts. It provides a variety of resources for preserving homeownership.

Massachusetts Housing Consumer Education Centers

Massachusetts Housing Consumer Education Centers offer housing information to homeowners and tenants, as well as landlords and prospective buyers. There are nine member agencies across the state. Below are the two in the 9th Congressional District.


MassHousing is a not-for-profit agency that provides financing for homeowners in need as well as potential home purchasers. Its programs help to offset budget cuts to state-run housing programs. They agency also provides their resources in Spanish and Portuguese.

"Helping Homeowners" Scams

When seeking help with your foreclosure or remortgaging, beware of "helping homeowner" scams that seek to take advantage of homeowners in need of assistance.