Information for Homeowners and Servicers

Information for Homeowners

The Homeowner Assistance Fund (HAF) is a federally-funded housing assistance program for Massachusetts homeowners impacted by COVID-19. It was created to provide funds to eligible homeowners for housing-related costs such as mortgages and property expenses.

The Massachusetts Housing Partnership (MHP) is administering HAF and working with third-party vendors to manage the program's on-line administration systems for mortgage servicers.

The program is no longer accepting applications. Mass HAF continues to process applications that were received before the application deadline.

Submitting an application to the Mass HAF (Homeowner Assistance Fund) does not guarantee payment. All applications are subject to the availability of funds and eligibility review. Assistance is not guaranteed.

Beginning on July 1, 2023, the state-funded Residential Assistance for Families in Transition (RAFT) program will become 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 on the program website at: https://massmortgagehelp.org/

If you or someone you know is experiencing a mental health crisis and/or suicidal thoughts, please call or text 988, which is the national suicide and crisis number. The 988 Suicide & Crisis Lifeline is available 24 hours a day, 7 days a week. You can also access the chat feature on the website. If you are looking for qualified professionals for mental health assessments and/or mental health referrals, please contact the Massachusetts Behavioral Health Helpline by calling or texting 833-773-2445 (BHHL). The helpline is available 24 hours a day, 7 days a week. You can also access the chat feature on the website.

After June 30, 2023, Mass HAF will no longer accept new applications. Beginning on July 1, 2023, the state-funded Residential Assistance for Families in Transition (RAFT) program will become available to low-income homeowners who are at risk of foreclosure. At that time, eligible homeowners may apply for RAFT through the Emergency Housing Payment Assistance Portal.

Access the Emergency Housing Payment Assistance Portal

Additional resources for homeowners who are behind on their mortgage are listed on the program website at: https://massmortgagehelp.org/

Information for Servicers

To participate in Mass HAF, servicers must complete the onboarding process. Contact servicercoordination@massmortgagehelp.org to request an onboarding packet.

Servicers are encouraged to contact servicercoordination@massmortgagehelp.org for any questions or concerns.

More Information

HAF was created by the American Rescue Plan Act (ARPA) and is being administered by the US Treasury. The Massachusetts HAF Program is being administered by MHP and the Massachusetts Housing Finance Agency (MassHousing) in collaboration with the Massachusetts Executive Office for Administration and Finance (A&F), Massachusetts Executive Office of Housing and Economic Development (EOHED), Massachusetts Department of Housing and Community Development (DHCD), and the Massachusetts Division of Banks (the Division).

For more information, email MassHAF@mhp.net.