Housing Consumer Education Center

As part of the Regional Housing Network of Massachusetts network of regional housing agencies, CTI operates a Housing Consumer Education Center (HCEC) for Northern Middlesex and Essex Counties. The mission of the HCEC is to provide information that helps consumers make informed decisions about their housing situation. The Housing Consumer Education Center is a resource for tenants, landlords, and homeowners and provides information and referrals about housing related issues. CTI's HCEC staff provide expertise in housing search, emergency housing assistance, advocacy, counseling, and education programs. The HCEC offers a variety of programs that address critical housing needs. Visit masshousinginfo.org for information about the statewide network of Housing Consumer Education Centers.

First-Time Homebuyer Classes
Steps to Homeownership is a four-session first-time homebuyer seminar offered in Methuen, Peabody, Chelmsford, and Salem Massachusetts. Graduates of this seminar receive a certificate that makes them eligible to apply for MHFA low-interest loans, the CTI soft-second loan program, and down-payment assistance from cities throughout the State. Our course structure and materials are approved by MHFA, Fannie Mae and have received the Seal of Approval from the Massachusetts Homeownership Collaborative and the Massachusetts Housing Partnership Fund. Each 4-session course is held one night a week. Registration fee is $50 per family and participants earn a certificate good for one year upon completion of all 4 sessions. Download a Schedule of our next Steps to Homeownership Classes, complete the Enrollment Form and email it to cdyl@comteam.org. For more information about our First-Time Homebuyer Classes, call (978) 459-0551, Ext. 296 or

The first step is to call the Home Preservation Center at (978) 970-0600, Ext. 1 to speak with the Director of the Center. Tell him you live in the Lowell area and would like to be referred to a local counselor. He and his team of counselors will help you through each step of the way and the help they offer is FREE. The counselors are experts in foreclosure prevention and trained to set up an action plan designed just for you and your situation.

Remember, DON'T WAIT! If you or someone you know is faced with foreclosure challenges, please call the Home Preservation Center at (978) 970-0600, Ext. 1 today.

Fair Housing
Housing discrimination for any reason is unlawful and violates everyone's civil rights. It is also prohibited by the federal Fair Housing Act. Unfortunately, many people who experience discrimination do not understand their rights or how to go about filing a complaint. They may not even know they've been a victim of discrimination, except for a feeling that "something was not quite right" about the way they were treated. CTI's HCEC works with the Fair Housing Center of Greater Boston to provide Fair Housing Education to help increase awareness to discriminatory practices weather intentional or unintentional and promotes equal housing opportunities for individuals and families. Other resources about filing a Fair Housing Discrimination complaint may be found at HUD. For more information about our Fair Housing Program, contact the HCEC Director at (978) 459-0551, Ext. 331.

Home Modification for the Disabled
The intent of the Home Mod Program is to modify homes for improved access to allow people to continue to live independently in their communities. Based on income eligibility, homeowners and landlords in Northern Middlesex and Essex Counties may apply for $1,000 up to $30,000 (inclusive of borrowers fees) in a deferred payment loan or amortized loan for access modifications to the principle residence of elders, adults with disabilities and families with disabled children. . The homeowner hires a contractor of their choice to modify their home. It is important to note that this program does not provide reimbursement for modifications completed prior to loan approval. For more information, download the Home Modification Informational Brochure or call the Home Modification Coordinator at (978) 459-0551. You may also access the Home Modification Loan Program Application, Choosing a Qualified Contractor, Frequently Asked Questions about the Home Modification Program, and Frequently Asked Questions about Qualified Contractors. See the benefits of the Home Modification Program in video.