An Evening to End Youth Homelessness

Merrimack Valley

At Community Teamwork we work with people wherever they are on the continuum of need for housing security, from struggling to meet basic rental and utility expenses to facing homelessness and even to supporting people who are ready to achieve homeownership.  We also help build a more robust base of affordable housing units through partnerships with local cities and towns.


Households maintained safe and affordable housing with ongoing rental vouchers


Housing units were inspected to ensure tenant safety


Households received homelessness prevention and housing placement services in the Housing Consumer Education Center


Was provided for rent and security deposits through the HCEC

Housing Consumer Education Center and Emergency Rental Assistance (HCEC)


Rental Assistance/Subsidized Housing Programs

Community Teamwork is one of eight Regional Administering Agencies (RAAs) that manages subsidized housing assistance, or Rental Assistance,­­ throughout the Commonwealth of Massachusetts under the direction of The Massachusetts Department of Housing and Community Development. Our jurisdiction covers forty-three cities and towns throughout Greater Lowell, Greater Lawrence, Merrimack Valley and the North Shore/Seacoast communities:

Amesbury, Danvers, Haverhill, Methuen, Rowley, Wenham, Andover, Dracut, Ipswich, Middleton, Salem, West Newbury, Beverly, Dunstable, Lawrence, Nahant, Salisbury, Westford, Billerica, Essex, Lowell, Newbury, Saugus, Boxford, Georgetown, Lynnfield, Newburyport, Swampscott, Bradford, Gloucester, Manchester, North Andover, Tewksbury, Byfield, Groveland, Marblehead, Peabody, Topsfield, Chelmsford, Hamilton, Merrimac, Rockport, Tyngsborough.

For a full list of RAAs and the cities/towns that they cover please click here.


Emergency Rental Assistance


Community Teamwork is pleased to offer new financial assistance programs for our families impacted by the recent Covid-19 pandemic and state of emergency. View Program
family moving into a home

Federal Rental Vouchers (Including Section 8)

These programs provide vouchers that help families pay their rent on an ongoing basis. View Program
mom working from home with two little girls

State Rental Vouchers (MRVP)

Under MRVP, a fixed amount of rental assistance is paid, based on the participating family’s income, household size and geography. View Program
arab Family Using Pc In Their home

Targeted & Other Programs

Targeted programs are referral based, targeted demographic housing subsidy programs. View Program
family children money investing

MRVP Self Sufficiency Program (SSP)

The Self Sufficiency Program (SSP) is a voluntary state program designed to assist MRVP Voucher holders achieve economic self-sufficiency through employment opportunities to increase earnings. View Program
person running outside

Family Self Sufficiency (FSS)

FSS is a voluntary HUD program designed to help Housing Choice Voucher families achieve increased economic self-sufficiency over a five-year period. CTI provides one-on-one coaching and assistance with reaching self-sufficiency goals. View Program
dad with child

Supporting Neighborhood Opportunity in Massachusetts (SNO Mass)

The Supporting Neighborhood Opportunity in Massachusetts (SNO Mass) Program supports Housing Choice Voucher families with school-aged children making moves to communities with high quality schools, parks and open space and health, safe environments. View Program

Emergency Shelters

Hands Holding White Paper Hous

Emergency Individual & Family Shelter

Provides emergency shelter and supportive services to families who are experiencing housing instability due to loss of housing or fleeing domestic violence. This program assists with finding permanent housing options. View Program
youth services

Youth Services

Youth Services is geared to provide supports for youth and young adults between the ages of 16 and 24 who struggle with housing instability and emotional barriers. View Program

Fair Housing Program

The Community Teamwork’s Fair Housing Program promotes fair housing throughout seventy cities and towns in Middlesex and Essex counties. Our comprehensive approach includes raising awareness and understanding about housing discrimination through trainings, outreach, and assistance. Anyone involved in housing is eligible for assistance including tenants, homebuyers, landlords, owners, property managers, and anyone else providing housing related services. All assistance is provided at no cost.

The Fair Housing Program receives and tracks tenant and homebuyer complaints of housing discrimination while offering information and resources, technical assistance, help resolving your issue, and referral to legal services for enforcement.

Fair housing happens when tenants know their rights, housing providers know the law, and community service providers intervene. For more information on housing discrimination or to get help, contact us directly at (978)654-5735 or  You can also fill out an online request for assistance below.  For information about financial assistance or housing resources, please visit or call the Community Teamwork Resource Center (978)459-0551

Fair Housing is housing without discrimination.  Harming or treating someone unequally in housing because of who they are or what group they belong to is discrimination and it is illegal.  Our country has a long and unresolved history of social and institutional housing discrimination.  The Fair Housing Program is proud to be part of the effort to bring equality to housing.  Eliminating housing discrimination is critical because housing influences all aspects of an individual’s, family’s, and community’s life.  Housing discrimination perpetuates disparities in health and healthcare, education, employment, transportation, general stability, quality of life, and generational success and wealth building.

Housing discrimination happens when someone is harmed or treated unequally because of who they are or their membership in a protected class. Everyone belongs to protected classes.

Housing discrimination is often thought of in three parts:

  • A person is a member of a protected class;
  • A person is harmed or treated unequally in housing; and
  • That harm or unequal treatment is because of their membership in a protected class.

Everyone is protected against discrimination. Federal and state fair housing laws protect people against discrimination based on protected class status. In Massachusetts, protected classes include:

  • Race
  • Color
  • National Origin
  • Religion
  • Sex
  • Family Status (young children)
  • Disability
  • Sexual orientation
  • Gender Identity/Expression
  • Marital Status
  • Housing Subsidy
  • Public Assistance
  • Veteran/Military Status
  • Ancestry
  • Genetic Information

Everyone providing housing or housing services must comply with Fair Housing laws that prohibit discrimination. Housing providers include:

  • Landlords
  • Owners
  • Property managers
  • Maintenance staff or contractors
  • Condominium boards
  • Homeowner associations
  • Realtors
  • Mortgage providers
  • Lenders

Housing discrimination can happen in many different ways.  Discrimination can be intentional or unintentional; it can happen once or be ongoing; and it can be obvious, subtle, or disguised.  Common forms of discrimination include:

  • Refusal to Rent/Sell
  • False Information on Availability
  • Different Terms or Conditions
  • Discriminatory Statements
  • Harassment
  • Threatening/Intimidating/Coercing
  • Retaliation
  • Denial of Reasonable Accommodations
  • Denial of Reasonable Modification

If you think you have been discriminated against, complete an online intake or contact us at (978)654-5736 or

Fair Housing Program Complaint Services

If you think you have been discriminated against in housing the Fair Housing Program can help.  Housing discrimination happens when a tenant or homebuyer is harmed or treated unequally because they belong to a protected class. Protected classes include:

  • Race
  • Color
  • Religion
  • Sex
  • Family Status (young children
  • Disability
  • Sexual orientation
  • Gender Identity/Expression
  • Housing Subsidy
  • Public Assistance
  • Veteran/Military Status
  • Ancestry
  • Genetic Information

How to Get Help

There are three ways to request help from the Fair Housing Program.  You can complete the online intake form above, email us at, or call us at (978) 654-5736.  We make every effort to respond to requests within one business day. The Fair Housing Program does not provide emergency services.  If your immediate health or safety is at risk, please contact local emergency services by calling 911 or local police/health services.

What Happens when I ask for Help?

The Fair Housing Program will schedule an intake interview to learn about your housing problems, determine your eligibility, and duscuss how we can help.  Intakes are conducted over the phone or in person.  If you need language assistance or other accommodations, please let us know.  While we ask some demographic questions to help us track housing discrimination, we do NOT inquire about citizenship or legal residence status.

During your intake, the Fair Housing Program, can provide you with information on your rights and how to enforce them.  The Fair Housing Program provides a range of services to eligible people including:

  • Information and Resources – The Fair Housing Program maintains a variety of resource and information on housing discrimination, housing rights, and advocacy tools.
  • Technical Assistance – The Fair Housing Program can help address a housing problem with your housing provider. For example, we can help you ask for a reasonable accommodation or inform your housing provider when they violate your rights and tell them how to stop.
  • Informal Resolution: Sometimes tenants and housing providers are able to avoid an adverse or discriminatory action with informal assistance. The Fair Housing Program can work with tenants and housing providers to resolve their problems without court intervention.
  • Legal Referrals – Often people need legal assistance with that housing problems. The Fair Housing Program can help you understand your enforcement options and help you find the legal assistance you need.  We can refer you to low or no cost legal services and help you complete their intake processes. The Fair Housing program also helps people file complaints of housing discrimination with governmental enforcement organizations like HUD or the Massachusetts Commission Against Discrimination.  These organizations can also enforce your rights.



Fair Housing Program Outreach

The Fair Housing Program promotes fair housing through social media awareness and monthly email updates on fair housing and program opportunities.

Click here to be included in our monthly emails to tenants and homebuyers.

Click here to be included in our monthly emails to housing providers.

Fair Housing Program Trainings

The Fair Housing Program offers trainings to promote Fair Housing.  Trainings are targeted help tenants, housing providers, and community service providers that have clients with housing problems.  Presently, we are offering fair housing trainings that provide an overview of housing discrimination, enforcement of housing rights, and the CTI Fair Housing Program services.  These trainings are tailored to knowing your rights as a tenant; fair housing awareness and best practices for housing providers; and effective advocacy for service providers.

Trainings on reasonable accommodations and modifications and discrimination in leasing and lease termination are currently under development.  If we do not offer a training on an issue you are interested in, please let us know and we may be able to provide a workshop or individualized information to your organization.

You can register for trainings here.  If you have a group, we can arrange for a private training at a convenient time.  Trainings can be conducted virtually or in-person.  Feel free to contact us with questions at, or (978)654-5736.

Resource Library

Under Development

The Fair Housing Program has assembled a curated list of online resources on fair housing.  The following resources are organized topically and by relevance to tenants and housing providers.

If you cannot find the information you are looking for, we may be able to help.  You can contact the Fair Housing Program at or (978)654-5736.

  • Name
  • Title
  • Programs
  • Phone
  • Email

Aaron Ginsberg

Fair Housing Coordinator
Fair Housing Program, Housing Supports
Phone: (978) 654-5736

Catherine Tammany

Home Modification Loan Programs
Phone: 978-654-5741

Cathy Dyl

First Time Homebuyer
Financial Education, First Time Home Buyers, Housing Consumer Education Center, Housing Supports
Phone: 781-640-2644

Gladys Santiago

Administrative Assistant
First Time Home Buyers, Home Modification Loan Programs, Housing Supports, Representative Payee, Secure Jobs
Phone: 978-654-5673

Tom Sun

Housing Supports, RAFT
Phone: 978.459.0551 or 978.654.5607 or (978) 654-5617

ana m success story

Ana’s Story

Family Self Sufficiency Success Story The Family Self- Sufficiency Program (FSS) is designed to help families receiving rental assistance to become self-supporting. This is a voluntary program and is open to all families receiving a View Program

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