Consumers
For Consumers:
Local Down Payment Assistance: Location Matters! Where you are purchasing your home, location will determine which application you must submit.- Click here for resources available by location
- Click here for NeighborWorks Housing Solution Information
- Click here for Homebuyer Education Agencies
- Click here for the mass.gov website with key information
- Click here to apply for HAF funds
Are you a consumer facing foreclosure or in financial distress?
- Contact the servicer on your current mortgage - there are modification programs available to assist you. Search for your servicer compliments of Mortgage Electronic Registration System (MERS) at https://www.mers-servicerid.org/sis/
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You may be eligible to modify your current mortgage if it is owned by Fannie Mae or Freddie Mac. You can verify this checking online:
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HOPE NOW counseling service. Many servicers will require you to obtain foreclosure counseling - HOPE NOW is the nationally recognized counseling service that is free. Contact them by phone (888-995-HOPE) or online at http://www.hopenow.com/
- Massachusetts Foreclosure Resources from the Office of Consumer Affairs: Foreclosure Resources
Consumer Education and Mortgage Fraud:
- Credit Information: Consumer Credit- What you should know about credit (Consumer Credit Counseling Services-NE)
- Facts for Consumers - Your Access to Free Credit Reports – Federal Trade Commission (FTC)
- Request your free annual credit report
- Consumer Information from the Consumer Financial Protection Bureau
General Mortgage Information:
Consumer Phone Numbers:
- Massachusetts Division of Banks Mortgage Fraud Consumer Hotline: (800) 495-2265 x 1501
- Homeowner's Hope Hotline: (888) 995-HOPE
