Homeownership Assistance

Mortgage Foreclosure Prevention Counseling

QCAP provides mortgage foreclosure prevention counseling that is in-depth and tailored to each household’s specific needs. QCAP’s Homeownership staff work one-on-one with homeowners to assess their needs, educate them about their options and design a tailored housing plan. Homeowners receive support to carry out their plan, which may include any of the following: Negotiating with lenders for loan modification agreements, referral to bankruptcy attorneys, referral to realtors for home sales, or assistance to secure alternative housing. Homeowners may call (617) 479-8181 x376 to be screened for this service.

First Time Home Buyer Education

Since 1991, QCAP has helped thousands of people realize their dream of owning a home through comprehensive First Time Home Buyer (FTHB) education. QCAP workshops are conducted in multiple sessions, for a total of nine hours. They are held at various times throughout the year. Advanced registration is required and each participant is charged $30. This fee can be waived in certain instances. Click here to learn more about an upcoming QCAP workshop. To locate a home buyer workshop in Massachusetts, visit the Citizens' Housing and Planning Association (CHAPA) website.

QCAP also offers an online version of the FTHB workshop. The cost is $100. “The Road Home” is an online course for those who desire the convenience of a self-paced course that can be completed almost entirely at home. After the online course is completed, a face-to-face session with a Homeownership Counselor lasting about one hour is required to obtain the certificate. To register for "The Road Home" course, visit: https://qcap.ejoinme.org/QCAPRoadHomeFTHB. To request a required face-to-face follow-up session, please contact 617-479-8181.

Graduates of QCAP’s FTHB workshops receive a certificate of completion and may qualify for a variety of mortgage through Massachusetts Housing Partnership or MassHousing as well as conventional lending sources. 

QCAP also provides one-on-one counseling for potential First Time Homebuyers who are looking for more individualized assistance. Potential homeowners may call (617) 479-8181 x 376 for further assistance.

Home Equity Mortgage Conversion Program

Limited-income homeowners age 62 and up can convert their home equity into cash to cover living expenses through a Home Equity Conversion Mortgage (HECM), also commonly known as a Reverse Mortgage. Through HECM, homeowners can opt to receive funds as a lump sum distribution, monthly payments, or both. QCAP housing staff provide counseling and information on reverse mortgages, as well as explore financial options with homeowners enabling them to make an informed choice. The fee for this service is $150. This fee can be waived in certain instances.

Housing Rehabilitation Loan Programs

Norfolk County homeowners interested in housing rehabilitation and loan programs should contact NeighborWorks of Southern Massachusetts. Investor-owners may be eligible for loans at a low interest rate if they meet program criteria.

Documents to bring to your appointment

-Photo ID
-Income information (e.g. paystubs)
-Mortgage Statement
-Bank Statements (most recent 2 months)
-Tax returns & W2s (from past 2 years)
-Monthly Budget