
Rep. Thomas M. Stanley
9th Middlesex District |
Reps. Stanley with MA NAHRO members at State House event on 2/24.
Irish Step Dancers at Rep. Stanley's St. Pat's Party.
Rep. Stanley speaks with
Rep. Donato (D-Medford).
State House Memorial for former Speaker Keverian.
John Gardiner, a member of the Board the Mass Association of Day Care Agencies, speaks to Rep. Stanley about the need to preserve income eligible childcare in the budget.
If you'd like to arrange a State House tour, please call (617) 727-3676.
If you'd like Rep. Stanley to visit your classroom, call
(617) 722-2470. |
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 March'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
Rep. Stanley filed pension reform legislation Rep. Stanley filed legislation to reform an existing pension law. He filed a bill to remove legislation that allows any elected official under age 55 "who has completed 20 or more years of creditable service and who fails of nomination or reelection" to apply for a pension increase. Current law allows veteran state legislators who retire or fail to win re-election to receive staggering pension increases worth thousands of dollars a year. Given the current economic climate, pension reform will be on the legislative radar this year as the government strides to curb pension abuse and loopholes in the system. The House will take up pension reform, including legislation filed by Gov. Patrick, within two weeks.
Rep. Stanley Meets with Parent-Child Home Program Advocates
Rep. Stanley recently met with Vanessa Johnson and Susana Saldana, advocates of The Parent-Child Home Program who were recently at the State House advocating for funding for their program. The Parent-Child Home Program is a research-based and research-validated early childhood literacy and school readiness program. The program has a proven record in the state since 1970 when the first sites opened in Pittsfield, Newton and Cambridge. Currently there are 34 sites from Pittsfield to Boston serving over 1500 families, living at or below the poverty line, in their homes, homeless shelters, and family child care homes.
To learn more, please click here.

Rep. Stanley Meets with Advocates
Tax tips for Seniors and Retirees The Department of Revenue (DOR) has created a "Tax Tips" fact sheet to assist seniors and retirees in completing tax returns to ensure that folks are aware of available deductions and exemptions. To learn more, please click here. Rep. Stanley Speaks at Citizens for Public Schools (CPS) Legislative Breakfast The event was to bring attention to CPS's legislation for the 2009-2010 legislative cycle. Specifically, Rep. Stanley spoke in support of a bill he sponsored, An Act Relative to Data Collection for Charter Schools. This bill would require that charter schools report total net assets, the amount of funds transferred to a management company and the percentage of the school's budget spent on administration. Also, if a charter school ceases to exist, a detailed financial accounting of school assets and equipment and supplies must be submitted to the commissioner of education within six months after closing. The bill will also require additional information to be collected, including data on administrators, teachers, students who leave the school, numbers of students under the care of DYS and DSS or are homeless, numbers of students on individual education plans, or who are English language learners, details regarding waiting list process and comparison of actual and projected enrollment.
Dozens of Lexingtonians rally for education Education advocates visited the State House on Tuesday, March 24 to ask legislators to apply new taxes and empower municipal leaders to drive down health care costs in order to pour additional funding into public schools.
Despite funding from the federal stimulus package, advocates worry that education will be shortchanged in the future. Members of Stand for Children attended a hearing at Gardner Auditorium before visiting lawmakers. The group requested additional funding for expanded learning time and early education programs.
MA Stimulus Funding Breakdown MA is expected to receive $8.7 from the federal stimulus bill. The following is a breakdown of the funds: clean energy: $482 million, education: $1.955 billion, housing: $430 million, labor and workforce: $90 million, public safety: $71.7 million, safety net programs: $3.572 billion, technology and research: $1.295 billion and transportation: $809 million. Additionally, residents will receive payroll tax benefits and municipalities will be offered the chance to sell low-interest and no-interest bonds expected to amount to $5.294 billion. MA may also be given an unnamed portion of $125 million for coastal and marine habitat restoration, $600 million for superfund site cleanup and $589 million for national park construction.
Rep. Stanley files housing bill to help tenants leave welfare Government subsidies often discourage people from seeking gainful employment. Working closely with the Metropolitan Boston Housing Partnership (MBHP), Rep. Stanley filed legislation to establish "Moving to Economic Opportunity Housing," a five-year program that links rental subsidy to stabilize a tenant's housing to education, training and other job supports to help tenants increase income, build assets and leave welfare. If passed, the bill will create a program to help tenants focus on increasing income and building a savings account to reduce the dependence on state-funded subsidies. The program itself is designed after a successful, federally-funded program and will target families and individuals who are extremely low-income or homeless.
Gov. will maintain the Division of Insurance (DOI) Board of Appeals
After Rep. Stanley and more than half of his House and Senate colleagues signed onto a bill to preserve the Board of Appeals, which the state plans to close on April 1, 2009, the Patrick administration abandoned its plan to eliminate the Board. The primary function of the appeals board is to respond to inquiries and intervene on behalf of drivers to resolve complaints against insurance companies. The board of appeals offers consumers much-needed protection while acting as a check and balance system between drivers and insurers.
For years, Massachusetts has operated under strict regulations that set prices for all automobile insurance in the state. As of this April, consumers will renew policies under new regulations that have the potential to significantly alter rate premiums. Under these new "managed competition" guidelines, insurers can set their own rates. These guidelines represent a significant change in the insurance system for MA residents. However, as a result of these changes, the state planned to dissolve the DOI's board of appeals, a move that many residents considered anti-consumer. Some drivers viewed the board as a non-judicial and impartial alternative to pursuing complaints against insurers. According to DOI's website, the board ensures that consumers submitting a complaint receive a reply and/or resolution consistent with state law.
Gov. announces $280M in federal recovery funds to help school districts with special education costs Gov. Patrick announced $280 million in federal education recovery funds will go to school districts to assist with costs for special education, care and support. The Governor also announced an additional $10 million for preschool special education services. Funding will be available to all school districts across MA over the next 27 months. Districts will receive half of the funding by the end of the month - $140 million through the Individuals with Disabilities Education Act (IDEA), with $5 million dedicated to preschool programs. This fall, the remaining $140 million will be allocated to districts with another $5 million for preschool programs.
Federal recovery funds will include $818,090 for Lexington's special education program and $31,832 for special education preschool.
Rep. Stanley supports Governor's Ethics Task Force Legislation; also files own ethics legislation 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. A vote for a consensus bill will take place on Thursday, March 26.
Rep. Stanley filed his own 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.
METCO Supports Rally to Reverse Gov.'s Cuts Students and parents recently lobbied at the State House to protest cuts to the Metropolitan Council for Educational Opportunity (METCO) program's funding levels in the FY10 budget. The METCO program sends 3,275 urban students to 37 school districts that participate voluntarily. METCO supporters want the program's funding restored to its original fiscal 2009 budget figure which was $21 million.
State testing system to track state and local highway projects
State transportation officials are testing a new web-based system called "Comm-Works," projected to launch in 2009. The new website will allow city and town public works departments to track state and local highway projects. The system will be available for free to municipalities and state agencies. According to the Executive Office of Transportation and Public Works, the software will graphically map project locations and provide key project status information for all public works projects that are entered into the system.
DCR Proposes Updated Fee Regulations Through the regulatory process, the Department of Conservation and Recreation (DCR) is proposing updated fee regulations that would increase selected administrative and user fees. DCR proposed the new fees after an extensive process during which the agency reviewed all existing fees and focused on those that had not been increased for at least 5 years. The proposed fees can still be adjusted depending on the response during the public comment period. The new fees would take effect in the spring of 2009. As part of DCR's continued commitment to public outreach, three public hearings have been scheduled to solicit public comment on the proposed fees. Verbal and written testimony will be accepted at the hearings, but individuals are asked to provide written copies of their testimony. For additional information and a listing of the hearings, please click here. 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.
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.
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
League First Friday Focuses on Commercial Development Articles on commercial development at Hartwell Avenue included in this year's Town Meeting Warrant will be explained by Maryann McCall Taylor, Lexington's Planning Director, and Wendy Manz, a member of the Planning Board, at the League of Women Voters of Lexington's First Friday Forum on April 3. The articles include proposed changes in allowed uses, building heights and setbacks, and the permitted ratio of building square footage to lot size. They also propose the creation of a traffic management overlay district, to allow planning for both infrastructure and traffic mitigation measures to deal with additional traffic from anticipated commercial development. This is an opportunity to learn the details and provide feedback on proposed changes for Hartwell Avenue. This is the seventh in a series of 2008-2009 First Friday Forums hosted by the League of Women Voters of Lexington to promote awareness and understanding of public policy issues. Refreshments will be available at 9:30 a.m. and presentations will begin at 9:45 in the Community Meeting Room on the lower level of Cary Memorial Library, 1874 Massachusetts Avenue. The library is easily accessible by Lexpress and from the Minuteman Bikeway. For more information or to carpool, contact the League at 781-861-0123. All League forums are open to the public at no charge.
Safe Driving for Seniors
When should a senior stop driving? A forum sponsored by the League of Women Voters of Lexington will look at medical, social and legal implications for older drivers, their families and caregivers on Thursday morning, April 9. Speakers will include Dr. Elizabeth Dugan, associate professor in Geriatric Medicine at the University of Massachusetts and author of The Driving Dilemma;" Alzheimer specialist Charlie Zoeller; Dr. Bryan Reimer, researcher at MIT's AgeLab; Charlotte Rodgers, Director of Lexington's Human Services Department; and Christina DeMambro, Family Detective, Lexington Police Department. Refreshments will be available at 9:30 a.m. and presentations will begin at 9:45 in the Community Meeting Room on the lower level of Cary Memorial Library, 1874 Massachusetts Avenue. The library is easily accessible by Lexpress and from the Minuteman Bikeway. For more information about this Senior Issues Forum contact Barbara Ciampa at 781-861-8433. To carpool call the League at 781-861-0123. All League forums are open to the public at no charge. 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.
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.
Donate Your Books to More than Words Bookstore and Café! Looking for somewhere to donate your books, CDs and DVDs? Interested in hosting a book drive? More Than Words Bookstore and Café is the place for you! More Than Words is a nonprofit that empowers youth who are in the foster care system, court involved, homeless, or out of school, to take charge of their lives by taking charge of a business! By working as a team to manage their own retail and online bookstore and cafe business, our youth develop leadership, employment skills and self confidence as they prepare for their transition to adulthood! Please email Jennifer Stewart or via phone at 781-788-0035 for more information regarding book drives and donations or stop by 376 Moody St, Waltham. 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)
Lexington Symphony Patriots' Day Concert April 19, 2009 On Sunday, April 19th at 3pm in Cary Hall, the Lexington Symphony presents its annual Patriots' Day Concert. Family-friendly, the program flows from conductor Jonathan McPhee's fondness for blending popular favorites with less known pieces, all with a playful connection to America and Britain. Gershwin's American in Paris is featured, a symphonic love poem to the city of Paris that fuses nations with its European and American themes and musical forms with its jazz/classical mix. Also on the program is John Adams' Chairman Dances from his popular opera Nixon in China, based on Nixon's historic diplomatic trip to China in 1972. Chairman Dances is a big, bold foxtrot composed for a scene where the flashy Madame Mao (former movie actress and leader of China's Cultural Revolution) interrupts a boring state banquet to invite Chairman Mao, present as a portrait on the wall, to "come down, old man, and dance." For more information and to buy tickets, go to http://www.lexingtonsymphony.org, call (781) 863-9581 or visit Wales Copy, 1810 Massachusetts Avenue. Tickets are $35 standard, $30 seniors and $15 students; reserved seating. Will-call tickets must be picked up at least 15 minutes prior to concert. Sign up for season ticket discounts to Lexington Symphony's upcoming 15th Anniversary Season - available on-line at http://www.lexingtonsymphony.org or by phone at (781) 863-9581.
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.
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. |
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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