Foreclosure Prevention

Are you having trouble paying your mortgage? Are concerned about losing your home to foreclosure? MassHousing may be able to help.

If you are a MassHousing Borrower

If you have a MassHousing Mortgage loan and are unable to make your mortgage payment, MassHousing has experienced and dedicated staff who will work with you to find the best options. Please call us at 888.843.6432 or email so that we can assist you.

Escalation Resolution

If you feel you have been unfairly denied foreclosure prevention alternatives, please call our escalation department toll-free at 888.843.6432.

The following is a summary of MassHousing's service commitment to provide fair consideration and timely resolution of the escalation process:

  • Within three (3) business days of receiving your escalation request, MassHousing will acknowledge your inquiry in writing (email, fax or mail) and provide you with a date upon which you can anticipate a proposed resolution 
  • Within the earlier of five (5) business days of identifying the resolution or thirty (30) days of receiving your escalation request, you will be notified in writing of the proposed resolution and the next steps you must take in order to pursue the resolution, if applicable

If you have a non-MassHousing loan

Residential Assistance for Families in Transition (RAFT)

The state-funded Residential Assistance for Families in Transition (RAFT) program is available to low-income homeowners who are at risk of foreclosure. Eligible homeowners may apply for RAFT through the Emergency Housing Payment Assistance Portal.

Additional resources for homeowners who are behind on their mortgage are listed at

What to do Next

If you are worried about keeping up with mortgage payments or are at risk of foreclosure, there are steps you should take no matter what your circumstances may be: