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Consumer Protection, Housing, News

Massachusetts Homeowner Assistance Fund

La Colaborativa
May 24, 2022
Home owners assistance Fund

The Massachusetts Homeowner Assistance Fund (Mass HAF) is now available to for homeowners who are behind on their mortgage payments by at least three months because of the COVID-19 pandemic. The goal of HAF is to prevent foreclosures and displacements of eligible homeowners. Mass HAF is funded by the American Rescue Plan Act (ARPA).

You may qualify for Mass HAF if:

  • You own and live in a condominium, single family-home, or a 2-, 3- or 4-family property in Massachusetts
  • You are behind on your mortgage payments by at least 3 months
  • You or someone in your household had their income go down, or living expenses go up, after January 21, 2020 because of the COVID-19 pandemic. This includes job loss, fewer work hours, paying more for childcare, illness, or being unable to work because you had to take care of a family member
  • You meet the program’s income limits

Mass HAF assistance is for overdue mortgage payments and if you qualify, your mortgage servicer would be paid directly. The assistance is a grant not a loan. You do not have to pay it back.

Learn if you qualify for Mass HAF at massmortgagehelp.org

How to Apply

The application is online. Learn more and apply at massmortgagehelp.org. You can also complete a short online screener to see if you qualify. If you have questions about Mass HAF, you can call 833-270-2953, Monday – Saturday, 8 a.m. – 7 p.m.
You can also work with a non-profit housing counseling agency who can help you apply.

For more questions, please contact La Colaborativa’s Consumer Protections Specialist, Cristina Gonzalez, cristinag@la-colaborativa.org 

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Land Acknowledgment

At La Colaborativa, we believe that building a more just, equitable, and healthy future begins with recognizing the histories of the land and the communities that came before us, while confronting the systemic inequities that continue to shape our society today.

We acknowledge that La Colaborativa is located in Winnisimmet, now known as Chelsea, Massachusetts, on the ancestral and unceded homeland of the Massachusett People, whose deep connections to this land, culture, and community endure today.

We honor the Indigenous peoples who have stewarded this land for generations and recognize the lasting consequences of colonization, forced displacement, dispossession, and systemic injustice. These histories are not simply part of the past. Their legacies continue to influence access to land, housing, healthcare, education, economic opportunity, and the resources that allow individuals, families, and communities to thrive.

At La Colaborativa, we understand that health equity cannot be achieved without addressing the social determinants of health, the conditions in which people are born, grow, live, work, and age.

Structural racism, poverty, housing instability, food insecurity, and barriers to education, employment, and healthcare disproportionately affect immigrant, Indigenous, and historically marginalized communities, perpetuating cycles of inequality across generations.

This understanding is at the heart of La Colaborativa's holistic, community-driven model. Our work recognizes that the challenges facing our communities are deeply interconnected and cannot be addressed in isolation. By integrating housing stability, food access, healthcare, workforce development, education, economic mobility, and community advocacy, we work to address the root causes of inequity, strengthen community resilience, and create pathways toward lasting social and economic opportunity.

Rooted in our mission of Levantando al Pueblo, we believe that meaningful change begins by centering the voices, experiences, cultural identities, and leadership of the communities most affected by systemic injustice. Just as we honor the resilience and enduring presence of Indigenous peoples, we recognize the strength of immigrant families and historically marginalized communities who continue to shape our collective future.

For us, a land acknowledgment is more than a statement of respect. It is a reminder of our responsibility to turn recognition into meaningful action, challenge the systems that perpetuate inequality, and advance a model of community well-being grounded in dignity, belonging, self-determination, and justice.

We offer this acknowledgment with respect and gratitude to the Massachusett People, their ancestors, elders, and present-day communities, and with a continued commitment to learning, solidarity, and building a future where every community has the resources, opportunities, and power to thrive.