Emergency Rent Arrears/Mortgage

EMERGENCY RENT ARREARS/MORTGAGE ASSISTANCE

The Department of Housing and Community Development exists to serve Massachusetts residents and ensure that they live with dignity and safety. See their website here or read below to learn more about how to apply in the South Shore region.

RAFT 

  •  NEIGHBORWORKS HOUSING SOLUTIONS [NWHS] COVERS all of Plymouth and Bristol counties, as well as Randolph, Weymouth, Holbrook, and Cohasset
  • METRO HOUSING BOSTON [MHB] COVERS Quincy, Braintree and Milton
  • Please note – People housed or homeless in Quincy, Braintree, Milton who want to stay in these communities will apply for assistance with MHB. People want to move to NWHS catchment area will apply with NWHS.
  • Applicants have to be over the age of 18, and under 50% AMI for region or under 60% for DV survivors for region.  USE FY’19 AMI’S FOR NOW, FY’20 STARTING JULY 2020.

RAFT Upstream                                                                                                     

Program Type:  Prevention

Who can access?  Individuals and families currently housed

How to complete application?  Case Management staff can assist you or your family in following the instructions on the NWHS or MHB website.

For UPSTREAM, you must have a landlord letter that states that you [individual or family] are behind in rent. This program can only be used towards rent or mortgage arrears. ARREARS payments cannot exceed $4,000 OR 4 months of back rent.  After the payment is made the applicant must be SUSTAINABLE moving forward.  Subsidized families requesting rent arrears will have only their portion to request, not the full amount of monthly rent.

Proof of late rent/arrears – loss of hours at work, unexpected payment like a car breaking down, funeral costs, etc.  The inability to pay rent must be directly tied to the expense.  For example, if you haven't paid rent for the last 4 months, but the car was just fixed within the last week, the two incidents are not directly tied to each other and is not an eligible request. A rent ledger can be included but extra info is needed to document the REASON for arrears.

RAFT – COVID                                                                                                        

Program Type:  Prevention and Rapid Re-housing

Who can access?  Individuals and families currently housed or homeless [They do not need a COVID diagnosis]

How to complete application?  Staff can assist the person or family in following the instructions on the NWHS or MHB website.  Staff who answer the phones at the shelter should provide the website address to the caller.

For COVID, your request for assistance must be tied to an unpreventable situation created by the virus directly impacting our community.  For example:  job loss or person is doubled up with a friend who can no longer let them stay on their couch since they have multiple disabling conditions.

RAFT --General                                                                                                      

Program Type:  Prevention and Rapid Re-housing

Who can access?  Individuals and families currently housed or homeless

How to complete application?  Case Management staff can assist the person or family in following the instructions on the NWHS or MHB website.