Emergency Rent and Mortgage Assistance during Covid

Community Teamwork is pleased to offer new financial assistance programs for our families impacted by the recent Covid-19 pandemic and state of emergency. The Emergency Rental and Mortgage Assistance (ERMA) program funded by the Massachusetts Department of Housing & Community Development provides up to $4,000 of direct funding to eligible households.

In order to be eligible for ERMA, a household must:

· currently rent or own housing as a primary residence in Massachusetts

· have a gross household income that is between the 50% and 80% Area Median Income (AMI)

· have a housing emergency due to a financial hardship related to or exacerbated by the COVID-19 crisis

Rental Assistance

Youth Services

SNO Mass

Fuel Assistance

Helping With Winter Heating Bills

• Homeowners and renters are eligible
• Most who get fuel assistance also qualify for other energy assistance programs
• You may use any type of heating fuel (oil, electricity, natural gas, propane, etc.)

Contacts

Emergency Housing Assistance

The entry point for community members seeking emergency housing assistance

• Serving 41 communities in Middlesex and EssexCounties
• Counseling for housing instability and alternatives to shelter
• Short term financial assistance for rent and mortgage arrears, when funds are available.

Landlord Services

Education and Support Services for Landlords

• Training for landlords to better manage their business
• Fair housing education and reporting
• Marketing of available units through www.nearlistings.com

Weatherization and Conservation Programs

Free Weatherization and Energy Conservation Services

• Free weatherization and energy conservation services
• HEARTWAP provides heating system repair and replacement services to low-income households

First Time Home Buyers

Steps to Homeownership Seminar Offered Monthly

• 4-session course held two nights each week over two weeks or over two weekend days
• Registration fee is $60 per family
• Participants earn a certificate

Merrimack Valley Housing Services

Merrimack Valley Housing Services, Inc (MVHS) is a Community Teamwork subsidiary that owns and operates the Merrimack Valley Apartments in Methuen, a 60 unit HUD 202 Project for elderly and handicapped residents.

·        Serving low-income elderly and disabled residents.

·        Income requirements are up to 50% of median income.

·        Beautiful facilities with a social room and opportunities for residents to serve on the board.

Home Modification Loan Program

Modifying Homes for Accessibility

• Serving Essex and Middlesex Counties
• For elderly and disabled home owners and tenants
  
• Low and no interest loans to modify homes for improved access

Housing & Utilities

Housing Consumer Education Center (HCEC)

Helping Consumers Make Informed Decisions

• Serving 41 communities in Middlesex and Essex Counties
• Helping housing consumers make good decisions
• Offering resources to tenants, landlords and homeowners
• From homelessness to first time homebuyer supports