
Rep. Thomas M. Stanley
9th Middlesex District |
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Contact Information:
State Representative
Thomas M. Stanley
State House, Room 36
Boston, MA 02133
(617) 722-2470
Thomas.Stanley@state.ma.us | |
Dear Friend,
It is my pleasure to deliver February's edition of The Stanley Report, my monthly update from Beacon Hill. Please feel free to pass this e-mail along to your friends, family and co-workers and let them know they can subscribe to receive my monthly newsletter by emailing me.
Thanks for reading, and for giving me the opportunity to represent you in the legislature. As always, please do not hesitate to contact my office at (617) 722-2470.
Sincerely,
Thomas M. Stanley |
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News from Beacon Hill
House Elects New Speaker
The House elected Rep. Robert DeLeo to serve as its new speaker, with the support of 137 colleagues. His nearest opponent, Minority Leader Bradley Jones, received 16 votes, the entire Republican caucus. Rep. Stanley, House, Pass Rules Reform
Rep. Stanley joined his colleagues in the House in passing a broad rules reform package that will limit the Speaker's term to a maximum of 8 years, institute mandatory ethics training and allow the Speaker to unilaterally remove a member from a leadership position or committee if they receive a criminal indictment. These changes to the rules will help pave the way for the work the House has to do on ethics reform, pension reform and transportation reform. The rules changes will permit the Ethics Committee to bring forward bills and eliminate legislative or executive agents from giving gifts to members. Through the work of Rep. Stanley and other Members of the House, this package targets ethics reform, process reform and voting reform.
Rep. Stanley supports Governors Ethics Task Force Legislation, also files his own ethics legislation Rep. Stanley believes that the legislature needs to quickly adopt the recommendations presented by Governor Patrick's Task Force on Ethics and Lobbying Reform. In early January, Gov. Patrick's Task Force on Public Integrity issued a report outlining comprehensive recommendations to strengthen the state's ethics and lobbying laws. The bill filed by the governor focuses on the enhancement of rules and authority concerning lobbying and conflict of interest violations. The bill gives the Attorney General greater authority to enforce conflict of interest and lobbying laws. The legislation also includes enhanced penalties for these violations as well as mandatory education and training for all public employees. Rep. Stanley filed ethics legislation to define lobbying; ban gifts from lobbyists to public officials; provide the Secretary of State rule-making authority to implement the lobbying laws, to provide confidential, binding advisory opinions and impose fines; require lobbyists to wear name and affiliation badges while on duty in any public building; and remove the provision that allows the legislature to be exempt from the state's open meeting law.
Gov. Patrick Announces Transportation and Economic Security Reform Plan
Gov. Patrick announced a comprehensive reform plan to simplify the state's transportation system, while addressing serious fiscal challenges stemming from decades of neglect and inaction, and a failed bureaucracy under the "Big Dig" culture. Gov. Patrick's Transportation and Economic Security Plan incorporates recommendations from the Transportation Finance Commission Report that uncovered decades of inaction and neglect under previous administrations. Gov. Patrick plan includes securing the Commonwealth's economic future and maintaining safety of the state's roads and bridges. For complete information and details about the plan, please click here. The plan proposes a fuel tax increase of 19 cents - approximately $8 per month for most drivers. Future increases would follow the Consumer Price Index (an essential component that the state failed to do last time). The gas tax has not been increased since 1991. Rep. Stanley Files Education Legislation
Rep. Stanley filed a bill to place a moratorium on charter schools until a special commission determines the effectiveness of Commonwealth charter schools based upon criteria set forth. The objective of this bill is to suspend the current practice of approving new charter schools in the state which threaten the financial stability of every MA public school. Charter schools divert dollars from school districts to programs that are not accountable to the taxpayers in your community and are not proven, in many cases, to be more effective. Rep. Stanley Files Legislation on Behalf of Senior Citizens
Rep. Stanley filed a bill to reduce the age of eligibility for senior citizen real estate tax exemptions to age sixty five. This legislation reduces the age of eligibility from age 70 to 65 years old and would allow more citizens of the commonwealth to take advantage of the senior circuit tax breaker. He also filed an act relative to the senior circuit tax breaker credit.Currently, the income tax credit is equal to the amount by which one's property tax bill exceeds 10% of their total income, and it is capped at $750. This legislation would change it 8.5% of a senior's total income. Rep. Stanley filed a bill to exempt seniors from certain bank fees. Seniors applying for MassHealth would no longer have to pay the charges assessed by banks for obtaining those records. This helps reduce the financial burden on seniors, many of who are especially sensitive to any extra cost associated with maintaining access to health care. Rep. Stanley files MA GI Bill for Veterans
Under current law, Massachusetts veterans may be eligible for limited tuition waivers, but they are not a guaranteed benefit. Today, the mandatory fees at the Commonwealth's public higher education institutions can be four times the cost of tuition. Last year, the Legislature included language in HB 4469, The Welcome Home Bill, which addressed such cost barriers and waived both tuition and fees at state and community colleges for current members of the Massachusetts National Guard. This bill would expand the tuition and fee waiver education benefit to all Massachusetts veterans. Rep. Stanley's Bottle Bill Change May Bring relief to Water and Sewer Rates
Rep. Thomas Stanley recently filed legislation, on behalf of the Massachusetts Water Resources Authority (MWRA), to update and expand the "Bottle Bill" in MA. The Bottle Bill would expand the existing Bottle Bill to include $0.05 deposit on bottled water containers. Unreturned deposit receipts would be placed in a dedicated fund available to municipalities, water districts, and the MWRA to be used for water and sewer infrastructure repairs and projects. The anticipated amount of unclaimed deposits would bring in between $30 and $50 million annually.
Article 87 Briefing Gov. Patrick's office held a legislator and staff briefing on the Governor's Article 87 package, "An Act Reorganizing Certain Agencies of the Executive Department." This legislation restructures certain state agencies to make them more cost effective and responsive by consolidating programs and program staff within agencies whose mission and expertise will ensure the most coordinated, efficient operation of the programs.
Rep. Stanley Encourages Residents to Contact Energy Bucks to Stay Warm
Rep. Stanley encourages his constituents to contact Energy Bucks to see what energy efficiency and cost-saving services they qualify for. Energy Bucks is an integrated campaign that creates "one-stop-shopping" for energy assistance services, enabling Massachusetts residents to better understand and apply for programs that can help them manage their energy costs. Energy efficiency services are available to families at little or no cost depending on their income. Typically, a family of four can qualify for some form of assistance or energy efficiency services if their income is less than $4,124. These services can help save qualified families up to 30 percent on their energy bills by insulating and weatherizing their homes, repairing or replacing a heating system, receiving discount rates for electric and gas, installing energy efficient appliances and obtaining fuel assistance. By spreading the word about the resources available, Energy Bucks links residents to programs that will help them stretch their dollars as the weather gets colder and budgets get tighter.
While this year's fuel assistance benefit has increased, providing roughly 10 weeks of heat to oil customers versus last year's average of 7 weeks, there are also actions residents themselves can take to reduce their energy use and stretch their dollars. Simple steps like taking showers versus baths, which use 40 percent less hot water, and turning off and unplugging all TV's and computers when not in use, can make a real difference in energy bills. Energy Bucks is an integrated campaign combining grassroots outreach, community-based activities and advertising to build awareness of the fuel assistance, discount rates and energy efficiency services available to income-eligible families. To find out if you qualify for assistance, click here or call 1-866-LESS-COST. Legislation cosponsored by Rep. Stanley signed into law
The Nature Conservancy thanked Rep. Stanley for cosponsoring land conservation incentives, which the governor signed into law (An act authorizing tax credits for qualified donations of certain land to a public or private conservation agency - chapter 509 of the acts of 2008). The incentive will provide a very useful tool for the permanent protection of ecologically valuable land during these challenging times. Savings in the Commonwealth
The Massachusetts Office of Travel and TourismStarting announced great new deals on Massachusetts lodging, restaurants, and attractions at www.massvacation.com When you visit the site, you'll see hundreds of newly discounted places to go and things to do - all across the Commonwealth. Just download the wallet-sized "MassValuePass" and take advantage of discounts that start at 25% off. These offers expire on March 31. Federal Stimulus Package Includes Billions for MA
Massachusetts will receive more than $11 billion the $787 billion American Recovery and Investment Act. Funds from the stimulus package will include $1 billion for transportation projects and infrastructure work. This money includes $400 million for highways and $600 million for mass transit. Funds from the stimulus package will also benefit the state, cities and towns and individuals as direct subsidies for social services or tax credits. The MA legislature's formed an 18-member Temporary Standing Committee on Federal Stimulus Oversight to oversee stimulus spending.
MA's share of the stimulus packages includes tax cuts to people earning less than $75,000 per year and families making under $150,000, at a rate of $400 per individual and $800 per family, green tech tax credits, nearly $45 million in homelessness prevention funds, approximately $60 million to "restart" stalled affordable housing projects, $30 million in Community Development Block Grant funds, more than $800 million in federal education aid and approximately $2.4 billion in Medicaid funding. MCC's Adams Program Invests $1.3 Million in Creative Economy Projects The Massachusetts Cultural Council (MCC) announced the release of more than $1.3 million in grants to stimulate new economic activity, create jobs, and revitalize communities by investing in arts and cultural projects across the state. The grants come through MCC's Adams Arts Program for the Creative Economy, the oldest and most far-reaching program of its kind in the nation. This year, Adams grants will support 37 projects in every region of Massachusetts. These funds fuel a creative sector that has a $4.2 billion total impact on the state's economy and provides more than 109,000 jobs. FY09 MassHealth Outreach Grant Awards The state's Office of Medicaid awarded more than $2 million in FY09 grants to community-based organizations across the state to support ongoing initiatives to expand access to health care. The grants support efforts already underway to identify, educate and enroll and individuals who are eligible for health insurance programs now available through health care reform. The grants also support education to individuals on how to receive health care, assist new enrollees with provider enrollment, help individuals retain their health insurance benefits, and help individuals transition to other qualifying health insurance programs if their circumstances change. This initiative will advance relationships between local community organizations to facilitate more cohesive statewide outreach. Grant recipients include hospitals, community health centers, and community-based organizations statewide to broaden and strengthen the state's health care network. AG Issues New Community Benefits Guidelines for Hospitals and HMOs Attorney General (AG) Martha Coakley issued new Community Benefit Guidelines for non-profit, acute care hospitals and health maintenance organizations (HMOs). The guidelines are the product of a year-long review by an Advisory Task Force of key stakeholders who share the common goal of improving the health of communities across the state. Under the guidelines, hospitals and HMOs submit annual reports to the AG on their community benefit programs and expenditures, enabling both AG oversight and public scrutiny of non-profit health care institutions. The Advisory Task Force on Community Benefits, reached consensus on stronger guidelines that create clear expectations for how hospitals and HMOs should dedicate resources to improve the health in their communities. Transportation Secretary Announces Free Turnpike FAST LANE Transponders Transportation Secretary James Aloisi, Jr. announced plans to provide Turnpike drivers FAST LANE transponders free of charge beginning February 15th. In addition, anyone who purchased a transponder after January 15, 2009 will be credited the upfront cost of $25.95. This plan applies to all vehicles, including taxi cabs and commercial vehicles. All FAST LANE users will be assessed a monthly fee of 50 cents per transponder beginning in June to cover costs associated with the electronic toll collection program. Replacement transponders will also be available free of charge. FAST LANE transponder applications are available online or by calling 1-877-MASSPIKE (1-877-627-7745). Transponders also are available at FAST LANE Service Centers in Auburn, Natick, and East Boston and at eight Registry of Motor Vehicle branch offices across the Commonwealth.
Digitial Television (DTV) Transition Recently, Congress passed into law the DTV Delay Act, which pushes the date of the Digital Television (DTV) transition back from today, February 17, to June 12. This transition is the switch from analog to digital broadcast television. However, there are a number of stations turning off analog service today, as noted by USA Today's portrayal of the official list provided by the Federal Communications Commission (FCC). Find out what digital television is, why we are switching to it, and how this will affect you by visiting the Digital Television (DTV) Transition website.
New Web Video Offers Taxpayer Guidance The Massachusetts Department of Revenue has developed a new web video to guide taxpayers through the process of filling out Schedule HC (Health Care) required for filing 2008 state income taxes. Please click here to learn more. Information for Senior Citizens and Retirees
The Department of Revenue offers a Senior and Retiree Page. There are a variety of income and property tax benefits for Massachusetts senior citizens and retirees. This webpage compiles these benefits and other important senior information into a convenient, one stop site. Please click here for more information. State Launches Consumer-Friendly Website Comparing Health Care Quality and Costs
The Massachusetts Health Care Quality and Cost Council (HCQCC) launched an interactive website designed to promote transparency in the health care industry. The "My Health Care Options" website, mandated as part of MA's historic health care reform initiative, was developed to help control costs and improve the quality of care available to patients. The website represents a significant achievement in ongoing, multi-pronged efforts to control rising health care costs and ensure that residents of Massachusetts can get the best care available. The new website is the first of its kind in the nation to offer consumers, providers, employers, and policymakers comparative cost and quality information about medical procedures performed at Massachusetts hospitals and outpatient facilities. For example, a patient considering knee replacement surgery, angioplasty or a mammogram can now visit the site to compare cost and quality measures for those and other procedures at various local hospitals.
Rep. Stanley urges constituents to apply for financial aid to help pay for college To receive free guidance on identifying sources of financial aid and completing applications, students and families throughout Massachusetts may call The Education Resources Institute's (TERI) toll-free information hotline at 1-877-332-4348 or visit one of TERI's nine College Planning Centers in Boston, Brockton and Chelsea, MA. For hours of operation of TERI's Centers, click here. TERI's hotline is made available through a partnership among the Massachusetts Board of Higher Education, the Massachusetts Rehabilitation Commission and TERI. TERI College Planning Centers provide free, one-on-one information and advice on applying for financial aid and other concerns related to college planning. All TERI College Planning Center and Educational Opportunity Center services are free. For guidance over the phone or for information on the Center closest to you, please call 877-332-4348. Federal and state governments, along with colleges and universities, are the major sources of financial aid. Students begin the process of applying for both federal and state aid by completing the Free Application for Federal Student Aid (FAFSA). This document is available online at www.fafsa.ed.gov. Many private colleges and universities also require a second form, the CSS PROFILE, which is available at The College Board's website.
New! Apply online for Food Stamps or Health Insurance and Health Assistance! You may be able to complete a Food Stamps or Health Insurance and Health Assistance Programs application online. A simple screening survey asks questions about people in your household and compares your answers with the program rules. For more information, please click here.
Job Opportunities with the Commonwealth of MA
There are a number of job listings posted on the Commonwealth of Massachusetts home page. For more information, click here. |
Lexington Corner
The U.S Constitution and How We Elect our President The Village University of Concord will offer a course entitled "The U.S. Constitution and How We Elect our President" and will take place six Thursday mornings, starting March 26. Cam Kerry will be the first speaker, with Pam Wilmot, exec. director of Common Cause, the following Thursday, April 2. Guest speakers, with knowledge and opinions of the electoral process, will lead each seminar. The seminars will be held at the Harvey Wheeler Community Center, Route 62, West Concord from 10-11:30a.m. To sign up, please click here. The study group will examine how our nation elects its presidents and discuss the fascinating and complicated questions surrounding the process. What did the writers of the Constitution have in mind? Did they anticipate, as did Jefferson, that it would probably be amended? Does very vote count equally? Do the primary and caucus systems work in choosing a candidate? Would a 24-hour election day from Maine to Hawaii work? Does the Electoral College do what was originally intended? Should it be abolished? Same-day voter registration is gaining ground-do you think it is a good idea? How do you feel about pending legislation in many states tying each state's electors to the national popular vote? The U.S. Constitution is required reading and copies will be available.
League of Women Voters Essay Contest
This is the tenth year that the League of Women Voters of Massachusetts is sponsoring an essay contest for Massachusetts students to focus students and their families on issues related to elections, voting, and citizen participation in government. This year's theme is Democracy and Change: the Newly Elected President. The contest is open to all Massachusetts students, grades 4 - 12 and young adults 18 - 24. Winners in grades 4 - 12 will receive a U.S. Savings Bond and the teacher or advisor of those winners will receive a classroom educational grant. The winner in the 18 - 24 group will receive $1,000. Winners and their teachers and those receiving Honorable Mention will be recognized at the awards event in historic Faneuil Hall on Sun., April 5. The contest runs through March 6, 2009. All information about the contest including rules, prizes, and essay questions can be found on the League's website. Volunteer Drivers Needed One Day per Month If you are retired, have a flexible work schedule, or have available time during the day, please consider becoming a volunteer one day a month for Lexington's F.I.S.H. (Friendly Independent Sympathetic Help), a community-service organization. F.I.S.H. has been providing free rides to medical appointments for over 30 years for Lexington residents, but our 130 volunteer drivers and phone callers cannot meet the current client demand. Drivers typically volunteer to drive for one day a month and can choose to provide round-trip rides to destinations either in Lexington and vicinity or in the greater-Boston area. "Phone F.I.S.H." volunteers make calls from their homes for a few hours on a given day to assign F.I.S.H. clients needing a ride to the volunteer drivers. Being a F.I.S.H. driver or Phone F.I.S.H. is a very rewarding experience and we hope you will consider helping out your fellow Lexingtonians who have become very dependent on this unique service. For more information about volunteering for F.I.S.H., please call F.I.S.H. President David Horton at 781-862-3293.
Non-profit Spotlight: The Nonprofit Net Inc. Based in Lexington, Nonprofit Net's mission is to unite nonprofits within a community to attract local philanthropic resources and to increase their capacity to deliver services. It works with nonprofit organizations to facilitate access to local resources that would not otherwise be available. Whether the objective is fundraising, finding new board members, recruiting volunteers or improving operations, we help our member organizations reach their goals more easily and more quickly. We also help our members to improve the capacity of their boards and improve their own internal management and operational practices by providing access to managerial and executive talent at regular peer group meetings. To learn more and access a list of upcoming seminars, please click here.
Stanley Report to highlight Lexington non-profit orgs
If you'd like your organization highlighted in the Stanley Report, please let Rep. Stanley know! To allow more members of our community to hear about your organization's good work, please submit your upcoming community events, announcements and any other information about your organization. If interested, please email Judy Bromley or via mail to Rep. Tom Stanley, State House, Boston, MA 02133. |
Upcoming Events & Opportunities
Lexington Calendar & Events (as announced in the Lexington Minuteman)
Rotary Club seeks applicants
The Rotary Club seeks applicants for the Rotary Ambassadorial Scholarship for World Peace and Understanding program for the 2010-2011 academic year. The $23,000 scholarship is for graduate programs or undergraduate seniors. Applications must be completed by March 31, 2009 and all applicants seeking sponsorship must live in Lexington. The Rotary Foundation's oldest and best-known program is Ambassadorial Scholarships. Since 1947 nearly 37,000 men and women from 100 nations have studied abroad under its auspices. Today it is the world's largest privately funded international scholarships program. For more information, click here and click on the Ambassadorial Scholarship link or contact Frank Smith at fwksjr@verizon.net.
Reagle Players Gala Laugh In's zany comic, Jo Anne Worley, is winging in from LA to make a special guest appearance at the Reagle Players' fund raiser and gala "A Night to Remember" held March 7, 2009 at 7:30 at Doubletree Guest Suites in Waltham. Worley, a longtime animal advocate, jets in with her pooch to help liven up the festivities. The evening includes a cocktail party and an exciting live auction featuring a dozen upscale items. The actress/comedienne recently finished a Broadway run in the hit The Drowsy Chaperone and recently played the villainous lead of Madame Morrible in the Los Angeles company of the world wide smash musical Wicked. Worley was Carol Channing's original understudy for Hello Dolly! on Broadway for years and will repeat the title role in the hit musical this summer as Reagle kicks off its special Salute to Jerry Herman Summer. The summer has the blessings and cooperation of Jerry Herman - often called the poet of the show tune! The Reagle Herman summer salute includes Hello, Dolly!, Mame and La Cage aux Folles! For gala ticket information, call 781 891 5600. La leche league
The La League provides breastfeeding support and information through monthly meetings with accredited leaders and mother-to-mother support. The Lexington group meets the second Thursday of each month at the Cary Memorial Library, 1874 Massachusetts Ave. The Lexington group attracts women from Lexington and surrounding towns. For more information, call Francesca at 781.862.4762, Ann Marie at 781.863.1689, or Shari at 781.270.0944.
Moving On
Church of Our Redeemer, 6 Merriam St., Lexington. Thursdays, 7:30-9 p.m. Moving On is a nondenominational, on-going conversation and social group which provides a comfortable environment for now single adults to re-enter a fuller life after the loss of a partner through death, divorce or relationship termination. A $2 per person donation covers the room rental. For more information about this nonprofit group, contact John, 781.790.1708 (Waltham), moving.on@comcast.net; Marti at 978.256.5872 (Chelmsford); or Phil at 978.922.3690 (Beverly).
Liberty Ride
Leaves from National Heritage Museum, 33 Marrett Road, Lexington. Daily, 10:30 a.m., noon, 1:30 and 3 p.m. The Liberty Ride, the town of Lexington's historically narrated tour of the first day of the American Revolution, April 19, 1775, features a colonial guide that takes passengers to the North Bridge in Concord and back, describing the events of the day. $20 adults, $10 children ages 6-17. Tickets can be purchased at the Museum. Call 781.862.0500, Ext. 702; email info@libertyride.us, or visit libertyride.us for more information.
Fix It Shop
Lexington Senior Center, 1475 Mass Ave., Lexington. Thursdays, 9 a.m.-noon. A Fix it Shop is held for the repair of small items. Drop-off and pick up only during the above times. Labor is free, repair parts at cost. Donations accepted.
Volunteers sought
Lexington Senior Center, 1475 Mass Ave., Lexington. The Friend to Friend Program at the Lexington Senior Center is looking for volunteers to spend a few hours a month to help isolated seniors keep in touch with everyday activities. Volunteers could help a senior with vision impairment pick up some groceries or a prescription, get a haircut, attend a special luncheon, or just have a cup of coffee and chat. People are carefully matched according to the time they have available and what they would like to do. Currently, there are several seniors looking for a friendly volunteer. Call Charlotte Rodgers, 781.861.0194, for more information.
Newcomers Club
Lexington Newcomers Club welcomes new residents to town. Consider joining the Lexington Newcomer's Club, a non-profit social organization, to meet friends and learn about the town. Visit lexington-newcomers. Org for more information or call Marjoleine, membership chair, 781.274.9822, to join.
Exhibit
National Heritage Museum, 33 Marrett Road, Lexington. Ongoing. The NationalHeritageMuseum opens "Sowing the Seeds of Liberty: Lexington and the American Revolution," its new cornerstone exhibition. The new long-term installation is designed to stimulate new ways of thinking about the battle at Lexington on April 19, 1775. In addition to describing the battle and events that led up to it, the exhibition will explain why members of this small farming community were willing to take arms against their own government to protect a way of life, Through an engaging mix of objects, documents, images, re-creations of historic environments, and interactive elements, people of all ages will be able to learn about the roots of the American Revolutions. "Sowing the Seeds of Liberty" will replace "Lexington Alarm'd," the museum's current exhibition on colonial life that has been on view since April 19, 1995. Free and open to the public. Call 781.861.6559 or visit nationalheritagemuseum.org for further information.
NAMI Support Groups
The Central Middlesex affiliate of the National Alliance on Mental Illness of Massachusetts, serving Acton, Bedford, Boxborough, Burlington, Carlisle, Concord, Lexington, Lincoln, Littleton, Maynard, and Stow offers daytime and evening support groups for families and friends: Bedford, last Tuesday of each month, 7:30-9:30 pm, First Church of Christ, 25 Great Road, Routes 4, 62 and 225, Bedford; West Concord, first Thursday of each month, 12:30-2:00 pm, West Concord Union Church, 1317 Main Street, West Concord; Stow, -third Saturday of every month, 10:00 am-12:00 pm, Fellowship Hall, First Parish Church in Stow, near the intersection of Rt. 117 and Rt. 62. Call 781.982.3318.
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Important Information on Foreclosure
Individuals facing foreclosure may benefit from qualified legal counsel to represent them in foreclosure proceedings. The Attorney General's Office, in partnership with several bar associations, legal services organizations and advocacy groups, announced the establishment of a Pro Bono Foreclosure Assistance Hotline. Low-income Massachusetts residents who are facing foreclosure may call (800) 342-5297 or (617) 603-1700 and leave a message in the foreclosure assistance mail box. Homeowners facing foreclosure should know that there are several organizations available to help. NeighborWorks® America
NeighborWorks® America is a national nonprofit organization created by Congress to provide financial support, technical assistance and training for community-based revitalization efforts. The NeighborWorks® website hosts information on trainings, policy, publications and data. NeighborWorks® Center for Home Ownership Education and Counseling promotes long-term home ownership for low-income families by promoting training standards and quality service delivery. One of the newest additions to its growing range of valuable practitioner resources are the Consumer Home Buying Guides, a set of four consumer-focused guides to various stages of the home buying process. Developed by Fannie Mae Foundation, these guides deliver practical, specific and concise information in a user-friendly format. MassHousing
The Home Saver Foreclosure Program, a counseling and loan program, helps borrowers act proactively to their address their mortgage problems and address them before foreclosure becomes a reality. This program is geared towards moderate income homeowners who meet program guidelines and can afford a new loan payment. This program is not available to those already in foreclosure or own more than one property. MassHousing also provides information and assistance to individuals and families looking for affordable housing in the state. National Consumer Law Center
The National Consumer Law Center works to defend the rights of consumers in the areas of consumer debt, bankruptcy, foreclosure and mortgage servicing, basic energy and utility issues, and student loans. It also works to protect vulnerable populations and ensure the provision of these rights. Though it does not represent individual clients in legal matters, the organization's website has a variety of consumer publications on issues pertaining to foreclosure and mortgage servicing, bankruptcy, as well as a number of other consumer protection concerns. Citizens Housing and Planning Association
The Massachusetts Homeownership Collaborative is an initiative managed by CHAPA that supports and promotes homebuyer education. These agencies offer homebuyer education workshops and individual homebuyer counseling to prospective homebuyers. Mortgage Bankers Association
The Home Loan Learning Center website sponsored by the Mortgage Bankers Association, is committed to empowering the consumer to make informed financial decisions through access to financial education. Consumers can learn about mortgage basics, financing options, and how to prevent foreclosures. They can also find links to reach state, federal, nonprofit and consumer group websites. Fannie Mae
Fannie Mae is a Government Sponsored Enterprise (GSE) chartered Congress with the mission to provide liquidity and stability to the US housing mortgage markets. Their Homepath program is designed to help users find the Fannie Mae mortgage and lender that's right for them. Fannie Mae has developed a large array of innovative mortgage products, available through a nationwide network of Fannie Mae-approved lenders. Fannie Mae doesn't lend money directly to borrowers. Homepath also offers a number of tools, such as calculators, a glossary of terms, a list of organizations that provide counseling and a list of mortgage lenders. Freddie Mac
Freddie Mac is Government Sponsored Enterprise dedicated to making the American dream of decent, accessible housing a reality. The Buying and Owning a Home section on the Freddie Mac website includes an online guide to the home buying process in English and Spanish, financial calculators and tools, and a list of properties for sale. HOPE for Homeowners Program
Effective from October 1, 2008, to September 30, 2011, as many as 400,000 homeowners could avoid foreclosure through HUD's H4H program. If you are having trouble making your mortgage payments, HOPE for Homeowners may be able to help you, by refinancing your loan into a new 30-year fixed rate loan with lower payments. Local Aid
The Department of Housing and Community Development has identified and contracted with housing agencies from across the Commonwealth that help homeowners with foreclosure counseling and provide first-time homeownership guidance and down-payment assistance. Legal Services
Massachusetts Legal Services offers resources and services for lower-income Massachusetts residents. Massachusetts Legal Services will connect you with legal aid in your area. | |
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