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Home > Our Programs > Housing Programs > Homeownership Assistance

Homeownership Assistance

Mortgage Foreclosure Prevention Counseling

QCAP provides free 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, using QCAP’s emergency assistance funds to pay mortgage arrearages, referral to bankruptcy attorneys, referral to realtors for home sales, or assistance to secure alternative housing. Homeowners may call (617) 479-8181 x300 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. 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.

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 administers a down payment assistance program for the towns of Braintree, Holbrook and Milton. To apply for this, contact the Planning Department for the town in which you desire to purchase.

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). 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.

Housing Rehabilitation Loan Programs

QCAP is designated as a rehab agency in Norfolk County to assist homeowners under MassHousing's Get The Lead Out program. This program helps eligible single family homeowners with a lead poisoned child abate the lead in their homes with a 0% deferred payment loan of up to $30,000. Investor-owners may also be eligible for similar loans at a low interest rate if they meet program criteria.