From the Commonwealth of MA:

The Massachusetts Homeowner Assistance Fund (Mass HAF) is now fully launched and we encourage you to share information with homeowners in your communities. Mass HAF is a state program that provides mortgage relief – it is a grant not a loan; homeowners do not have to pay it back. Applicants must be at least 3 months behind on their mortgage payments because of the pandemic. As a reminder, ERMA and RAFT are no longer available to homeowners. If you have questions about HAF, please email [email protected].
Who is Eligible for Mass HAF? 
Eligible homeowners: 
Own AND live in a single-family home, condominium or 2- 3- or 4-family
home located in Massachusetts 
Lost income or living expenses went up on or after January 21, 2020, because of the COVID-19 pandemic
Have missed at least 3 mortgage payments since January 21, 2020  Meet income requirements (150% of the AMI)  

Homeowners can check if they are eligible by completing a short online pre-screener 
Applying for Mass HAF
To apply, go to Applicants will register for an account using an email address. The application is available in multiple languages.
Application Help
For general information about HAF, there is a HAF Call Center – (833) 270-2953, open Monday-Saturday, 8 a.m. – 7 p.m. (interpreter services are available)For application assistance, nine Housing Counseling Agencies (HCAs) are available to assist homeowners.

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