Homeownership Resources

Having your own home is a big deal, whether you’re doing it for the first time, getting back into the ever-changing market, or taking care of your existing home. We have resources that can assist you with purchasing and maintaining your home.

First Time Homebuyer Workshops

These workshops provide potential home buyers with valuable information in addition to qualifying them for preferred mortgage rates for completing the class.

Home Modification Loan Program (HMLP)

The Home Modification Loan Program (HMLP) is a state-funded loan program that provides financing to homeowners and small landlords for necessary home modifications.

Financial Education Workshops

Our financial education workshops assist you in setting financial goals and understanding the steps necessary to achieve them.

One-on-one Housing Counseling

We provide free professional assistance on any housing issues such as pre-and post-purchase, financial budgeting, and delinquency counseling.

Housing Rehabilitation Programs

We administer deferred payment housing rehabilitation loan programs on behalf of many of the municipalities of Franklin County. These loans provide an affordable means for homeowners to bring their homes into compliance with building codes, perform needed repairs, and weatherize their homes.

Leverett Affordable Housing Programs

We administer two assistance programs to help income-eligible homebuyers purchase in Leverett: the Homeownership Assistance (Buy Down) Program and the Down Payment Assistance Program.

Get The Lead Out Program

The Massachusetts Housing Finance Agency (MassHousing) offers low-cost financing, administered through HRA in Franklin County, to address lead-based paint hazards for one- to four-family properties.

Foreclosure Prevention

We are part of a collaborative partnership of agencies serving Berkshire, Franklin, Hampshire, and Hampden counties. The partnership has a single mission: to help homeowners avoid foreclosure. All services are free and confidential.