Utilizing funds recovered by the AGO through a nationwide state-federal settlement over unlawful foreclosures, the Office of Massachusetts Attorney General Martha Coakley (AGO) is pleased to announce the Community Based HomeCorps program, which is designed to extend the work of the first in the nation HomeCorps program.
As the HomeCorps program has evolved, the AGO has determined that combining both loan modification advocacy and homelessness prevention services under one program overseen by a Master Grantee will best optimize resources and provide the most comprehensive and seamless services to distressed homeowners.
The Citizens’ Housing and Planning Association (CHAPA) has been chosen to coordinate and oversee a statewide program which works directly with families and individuals facing foreclosure, utilizing funds recovered through the nationwide state-federal settlement over unlawful foreclosures.CHAPA will also be responsible for proposing a plan to provide homelessness prevention services statewide via a sub-grantee network of full-time equivalent Homeowner Advocates.
CHAPA, through a competitive selection process and in close consultation with the AGO, selected 12 sub-grantees that are well established within their respective communities to deliver services in their regions of operation. The following organizations have been named Sub-Grantees under the Community Based HomeCorps Grant: Berkshire County Regional Housing Authority; Coalition for A Better Acre; HAPHousing; Housing Assistance Corporation of Cape Cod (HAC); Neighborhood of Affordable Housing (NOAH); NeighborWorks of Southern Mass; Oak Hill Community Development Corporation, in conjunction with Central MA Housing Alliance, Inc.; Quincy Community Action Programs (QCAP); Twin Cities Community Development Corporation, in conjunction with Montachusett Opportunity Council; and Urban Edge.
The majority of services provided to homeowners supported by this grant program will focus on assisting with loan modification related services. All services delivered by the Master Grantee and the sub-grantees as part of this grant program will be delivered at no cost to eligible homeowners.
Services provided by the program may include but are not limited to:
- Conducting outreach about the availability of services;
- Providing financial education services, such as reviewing income and expenses, helping clients establish a budget, explaining various options (such as loan modification, short sale, deed in lieu of foreclosure, etc.);
- Providing assistance on the loan modification process;
- Advocating on client’s behalf with lenders and loan servicers;
- Providing homelessness prevention services for those clients who will need to relocate due to foreclosure, including providing guidance on obtaining housing, housing search support, case management, benefits advocacy, and referrals to potential financial stabilization resources; and
- Providing referrals to anti-poverty agencies, legal services, and/or social or mental health services as needed.