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

If you are having trouble making mortgage payments and feel like you may be in danger of foreclosure – don’t wait another moment to find help.  Please call 413-233-1622 or 1-800-332-9667, ext. 1622.  The sooner you call, the sooner you can be on your way to a solution.

Are you struggling with the foreclosure modification process?

Meet one-on-one with a foreclosure prevention counselor to discuss your options. Come to the HAPHousing office (322 Main Street, Springfield, MA 01105) on Tuesdays between 10 AM andamp; 12 noon or Thursdays between 4 PM and 6 PM.  Or call 413-233-1622 at any time to make an appointment.




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.

Trained foreclosure prevention counselors provide confidential guidance to help address the needs of current homeowners facing possible mortgage default and foreclosure.  The Center is also available to provide education for the next generation of homebuyers about the home buying process, ensuring they succeed over the long term.

Our counselors are experts in foreclosure prevention and trained to set up an immediate plan of action. Counselors will provide you with knowledge and support that will help you overcome immediate financial issues. For assistance, call 413-233-1622 or 1-800-332-9667, ext. 1622 to be referred to a counselor near you.  If you are worried that you may default on your mortgage but are not yet facing foreclosure, we still recommend that you call as soon as possible as you may have more options available to you in these early stages.

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,

Document Checklist

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

  • Name of your mortgage company
  • Your mortgage number
  • The amount of your mortgage and how much you owe in arrears
  • The amount of your income


Your credit report is critical information that you should check regularlyClick 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.

Other Programs Available

Please contact a foreclosure prevention counselor to learn more about the following programs:

  • HAMP I (Home Affordable Modification Program)
  • HAMP II (Home Affordable Modification Program)
  • Homeowner Unemployment Program
  • HARP (Home Affordable Refinance Program)
  • Forebearance Plans
  • Short sales
  • Deed-in-lieu
  • Cash for keys
  • FHA Programs
  • Other in-house modification programs


Transition Assistance for homeowners who have lost their homes to foreclosure

Funds are currently available to provide financial assistance to homeowners who have lost their homes due to foreclosure and meet certain eligibility criteria.  Click here for more information.