If you are facing imminent foreclosure within the next 7 days, the Massachusetts Division of Banks may be able to help by reaching out to your mortgage servicer to grant an extra 60 days to work out an alternative to foreclosure. Department of Housing and Urban Development (HUD) can also help you find a housing counseling agency (HCA). If you would like to speak with a foreclosure counselor regarding your options, a list of foreclosure counselors by region is available here. You need to contact your lender/servicer to request assistance. While many of the special protections for homeowners impacted by COVID-19 are no longer in effect, owner-occupants of 1-4 family properties still may be able to seek relief. Homeowners may be eligible for mortgage or other assistance under the state’s Homeowner Assistance Fund (HAF). What resources are available for homeowners? You must have your application number in order to submit documents or to determine which agency is processing your application. To check which agency is processing your application, visit the Central Application Portal and click “Application Information.” You can also use the Central Application Portal to upload additional documents after your application is submitted. If you do not provide the required information within two weeks, your application will be “timed out.” It is very important to submit a complete application. If your application is missing required information or documentation, staff from your local RAA will reach out to you to complete the application, which will add to the processing time for your application. Once you submit your application through the online portal, a Regional Administering Agency (RAA) or the Rental Assistance Processing Center (RAP Center) will process your application. It is important that you complete your application to the best of your ability before submitting in order to receive an award or denial quickly. Applications with all required information and documentation will be processed more quickly than those with missing information and documentation. The time between submitting a RAFT application and receiving a RAFT award or denial varies. You cannot save and return to an application, so you must complete your application in one sitting. The RAFT application takes between 20-50 minutes to complete. How long does it take to submit an application and receive a RAFT award or denial? Once you have submitted your application, your landlord/property owner will be asked to provide the following documents: Be sure to provide contact information for your landlord/property owner in your RAFT application. In addition to the documents listed above, an application for RAFT also requires documentation from your landlord/property owner. Verification of eligible housing crisis and arrears (examples: a Notice to Quit from your landlord eviction notice or documentation showing an inability to stay in your current home due to health, safety, or other reasons) Verification of current housing (example: your current lease or rental agreement) ID for Head of Household (expired or international forms of ID are acceptable) ![]() ![]() If approved for RAFT, funds will beĪ step-by-step guide on how to apply for RAFT is available here.īefore you begin your application, be sure you have the following documents ready to upload: It is important to submit a complete application for RAFT to receive support quickly. You can apply for RAFT online through the Commonwealth’s Central Application.
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