Can’t Make Mortgage Payments?
The Western Massachusetts Foreclosure Prevention Center Can Help

Our Services Are Free and Confidential.

HAPHousing serves as the administrative agency for the Western Massachusetts Foreclosure Prevention Center, a collaborative partnership of agencies serving Berkshire, Franklin, Hampshire and Hampden counties. The center has a single mission: to help homeowners avoid foreclosure. If you are having trouble making mortgage payments, are struggling with the foreclosure modification process or feel like you may be in danger of foreclosure, meet one-on-one with a trained foreclosure prevention counselor to discuss your options.

1) Email a foreclosure counselor regarding your situation:

2) Call 413-233-1622 at any time to make an appointment

3) Come to the HAPHousing office (322 Main Street, Springfield, MA 01105) on Tuesdays between 10 AM and 12 noon or Thursdays between 4 PM and 6 PM

- Document Checklist

When you call or come to see a counselor, please have the following information ready:

  • Most current mortgage statement
  • 4 current paystubs

- Avoiding Scams

Many “rescue” plans are scams. Be careful! Download tips for Avoiding Foreclosure Scams. The Western Massachusetts Foreclosure Prevention Center is a state-funded and state-monitored program that is run by local nonprofit agencies qualified to counsel homeowners on their options. All of our counseling services are free, with no strings attached, so if you think you may have gotten involved with a scam, give us a call. You can also click here for more information on how to avoid foreclosure rescue scams.

- Free Credit Report

Your credit report is critical information that you should check regularly.Click here for information on how to get your FREE credit report.

- Federal Foreclosure Prevention Program

Wondering if you qualify for the federal program known as Making Home Affordable?The program has recently changed. Click here for more information.Then contact our counselors to see how this program may work for you.

The sooner you call, the sooner you can be on your way to a solution.

Download forms such as foreclosure intake form, household budget worksheet & more. 

Download forms such as a hardship letter, non borrower income form & more. 

Making Home Affordable Program Request For Modification and Affidavit (RMA)