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.

Trouble Making Ends Meet? At risk of losing your home due to COVID-19?

If you think you might be eligible for RAFT or ERMA, download/complete the online application HERE


SPANISH RAFT and ERMA TENANT Application - Download/complete the online application HERE


RAFT and ERMA LANDLORD Application - Download/complete the online application HERE

SPANISH RAFT and ERMA LANDLORD Application - Download/complete the online application HERE


English    https://www.cognitoforms.com/CommunityTeamwork1/RAFTERMAApplicationCTI

Spanish    https://www.cognitoforms.com/CommunityTeamwork1/solicitudraftermacti


Chinese   https://www.commteam.org/wp-content/uploads/2021/02/Tenant-Application-Chinese.pdf

Haitian Creole   https://www.commteam.org/wp-content/uploads/2021/02/Tenant-Application-Haitian-Creole.pdf

Khmer    https://www.commteam.org/wp-content/uploads/2021/02/Tenant-Application-Khmer.pdf

Portuguese   https://www.commteam.org/wp-content/uploads/2021/02/Tenant-Application-Portuguese.pdf

Russian   https://www.commteam.org/wp-content/uploads/2021/02/Tenant-Application-Russian.pdf

Vietnamese  https://www.commteam.org/wp-content/uploads/2021/02/Tenant-Application-Vietnamese.pdf


English    https://www.cognitoforms.com/CommunityTeamwork1/LandlordRAFTERMAApplicationCTI

Spanish    https://www.cognitoforms.com/CommunityTeamwork1/SolicitudDeRAFTERMADelPropietarioCTI


Chinese    https://www.commteam.org/wp-content/uploads/2021/02/Landlord-Application-Chinese.pdf

Haitian Creole    https://www.commteam.org/wp-content/uploads/2021/02/Landlord-Application-Haitian-Creole.pdf

Khmer   https://www.commteam.org/wp-content/uploads/2021/02/Landlord-Application-Khmer.pdf

Portuguese   https://www.commteam.org/wp-content/uploads/2021/02/Landlord-Application-Portuguese.pdf

Russian    https://www.commteam.org/wp-content/uploads/2021/02/Landlord-Application-Russian.pdf

Vietnamese    https://www.commteam.org/wp-content/uploads/2021/02/Landlord-Application-Vietnamese.pdf

TENANT CONSENT FORM (Go with Landlord Application)

English   https://www.commteam.org/wp-content/uploads/2021/02/Tenant-Consent-Form-English.pdf

Spanish    https://www.commteam.org/wp-content/uploads/2021/02/Tenant-Consent-Form-Spanish.pdf


Chinese    https://www.commteam.org/wp-content/uploads/2021/02/Tenant-Consent-Form-Chinese.pdf

Haitian Creole   https://www.commteam.org/wp-content/uploads/2021/02/Tenant-Consent-Form-Haitian-Creole.pdf

Khmer     https://www.commteam.org/wp-content/uploads/2021/02/Tenant-Consent-Form-Khmer.pdf

Portuguese   https://www.commteam.org/wp-content/uploads/2021/02/Tenant-Consent-Form-Portuguese.pdf

Russian   https://www.commteam.org/wp-content/uploads/2021/02/Tenant-Consent-Form-Russian.pdf

Vietnamese     https://www.commteam.org/wp-content/uploads/2021/02/Tenant-Consent-Form-Vietnamese.pdf

Community Teamwork is pleased to offer new financial assistance programs for our families impacted by the recent Covid-19 pandemic and state of emergency. Residential Assistance for Families in Transition (RAFT) and The Emergency Rental and Mortgage Assistance (ERMA) program funded by the Massachusetts Department of Housing & Community Development is able to provide assistance up to $10,000  of direct funding to eligible households.

ERMA can help to fund payments with rent or mortgage arrears accrued no earlier than April 1, 2020 or upcoming rent or mortgage payments.

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

RAFT/ERMA Maximum Annual Income Eligibility – Middlesex and Essex Counties

Annual Income Limits apply to the Merrimack Valley and include the following cities/towns: Amesbury, Andover, Billerica, Chelmsford, Dracut, Dunstable, Groveland, Haverhill, Lawrence, Lowell, Merrimac, Methuen, Newburyport, No. Andover, Tewksbury, Tyngsboro, West Newbury, Newburyport, Salisbury and Westford

Household Size

Annual income limit (80%AMI)

        1        $54,950
        2       $62,800
        3        $70,650
        4       $78,500
        5       $84,800
        6        $91,100
        7        $97,350
        8      $103,650

AMI Limits Worksheet


We are now live with our ZOOM FINANCIAL ASSISTANCE AND SMART TENANT WORKSHOP. It’s runs 5 days a week: We are facilitating the English workshop Monday through Friday at noon and the Spanish workshop is twice a week on Tuesday and Thursday at 11am.

ENGLISH workshop link: https://zoom.us/j/95733574741

SPANISH workshop link: https://zoom.us/j/95172382635

To Learn more about Community Teamwork’s Housing Consumer Education Center (HCEC), one of nine across the Commonwealth, click HERE

COVID-19 Housing & Evictions Information

With the Massachusetts Statewide Eviction Moratorium that Gov. Baker passed in April of 2020 scheduled to end in October, there is a lot of uncertainty among many tenants around the Commonwealth. LTC spoke to representatives from Northeast Legal Aid and Community Teamwork, Inc. for more information about what tenants can do if they are worried about their ability to remain safely housed, and programs available to tenants and property owners to help them remain stable during the COVID-19 pandemic. WATCH HERE Video is posted to LTC’s Youtube Channel! It’s also playing on Channel 8 at LTC for the next two weeks (October 14, 2020)

Listen to Connie Martin, Division Director Energy and Community Resources and Kristin Ross-Sitcawich, Director of Homeless Prevention and Homeownership Program discuss the RAFT and ERMA programs available now to people in need of help with rent, mortgage payments and more –  WCAP Radio 9/29/2020

English DHCE ERMA/RAFT Flyer – Call 211

Spanish DHCD ERMA/RAFT Flyer


Portuguese DHCD ERMA RAFT Flyer

Chinese DHCD ERMA RAFT Flyer

Haitian Creole DHDC ERMA RAFT Flyer

Vietnamese DHCD ERMA RAFT Flyer

Russian DHCD ERMA RAFT Flyer

CDC Declaration Form

Notice to Quit Informational Flyer


Desde el 1 de julio de 2020, Community Teamwork ha proporcionado más de $ 3.5M en asistencia de alquiler / hipoteca a más de 1200 hogares, que representan a 2990 personas. Para ayudar en el procesamiento de este volumen de solicitudes, se han contratado 13 administradores de casos y viviendas adicionales desde septiembre, con 9 empleados más en proceso de contratación.

Community Teamwork está experimentando una gran afluencia de solicitudes enviadas a través de COGNITO. Al 15 de diciembre, hay 4863 solicitudes en proceso. Los solicitantes pueden esperar recibir una notificación de Community Teamwork dentro de 3 a 5 semanas después de completar su solicitud COGNITO. Muchas veces, los retrasos en el procesamiento de las solicitudes son el resultado de solicitudes incompletas, lo que significa que Community Teamwork no tiene toda la información necesaria para procesar una solicitud.

Para asegurarse de que las solicitudes de COGNITO estén completas, esté preparado para proporcionar la siguiente información como parte de su solicitud:

1. Identificación del jefe de familia (ejemplos: identificación con foto, licencia, certificado de nacimiento, pasaporte)

2.Documentación de la vivienda actual y la residencia principal (los ejemplos incluyen: arrendamiento, arrendamiento a voluntad, declaración de hipoteca)

• Documentación de crisis de vivienda elegible; los ejemplos incluyen, pero no se limitan a:

• Aviso de atrasos (alquiler impago)

• Citación judicial

• Carta de la familia anfitriona si se duplica

• Utilidad apagada

3.W-9 del beneficiario (propietario, empresa de mudanzas, etc.)

Prueba de propiedad del dueño de la propiedad si los fondos se usarán para pagarle al dueño de la propiedad

5.Verificación del monto adeudado o adeudado por los fondos cubiertos

Y recuerde presionar el botón ENVIAR.

Sabrá que ha enviado su solicitud correctamente si recibe un correo electrónico inmediato poco después de COGNITO agradeciéndole por su solicitud.

Comience aquí para iniciar el proceso de solicitud:



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