Greater Lawrence Community Action Council, Inc

Housing Assistance

GLCAC provides housing assistance through a variety of programs.MA Housing Assistance Fund

Please see the programs below for more information & to apply.


Emergency Rental Assistance Program| ESG COVID 19

The City of Lawrence will be utilizing its CARES Act Emergency Solutions Grant (ESG) COVID 19 funding allocation to provide homelessness prevention and rapid re-housing emergency rental assistance to low-income Lawrence residents who are homeless as a direct result of the COVID 19 pandemic. This program is in partnership with the Greater Lawrence Community Action Council.



Rental Assistance For Families In Transition (RAFT)

Emergency Rental And Mortgage Assistance Program (ERMA)

  • RAFT and ERMA can assist with rental arrears. 
  • RAFT can also help with utility assistance. 
  • GLCAC partners with Community Team work to complete RAFT  and ERMA applications.
  • RAFT and ERMA are funded by the Massachusetts Department of Housing & Community Development.

Apply online

Continuum of Care Program

The Continuum of Care Program provides housing and support to individuals qualified for the housing program.

 Who is eligible? Homeless individuals and families with a disabling condition and a long-term need for ongoing help to get and maintain housing are eligible for permanent supportive housing.

GLCAC is a coordinated entry location. To apply for the Continuum of Care Program, you need to make an appointment with Luz De La Cruz.

Learn more

Common Housing Application for Massachusetts Public Housing

To apply for state-aided public housing, you must use the Common Housing Application for Massachusetts Public Housing (CHAMP). You can apply using CHAMP either online at our CHAMP website, or in person by completing a printed paper application.

Apply here

HOME Program |Town of North Andover

Edibility must be at or below 60% of AMI, preference for residents of North Andover, or those working in North Andover. Up to 12 months rental assistance or assistance with security deposit.

Contact:  Alxa Marmol

Apply here


Below are resources that may be helpful and can assist you in addressing your housing needs.

DHCD Flyer

Eviction Assistance Letter ENG

Eviction Assistance Letter SP



Eunice Lopez, Housing Manager





Mass HAF

Homeowner Assistance

The Massachusetts Homeowner Assistance Fund (Mass HAF) is now available to for homeowners who are behind on their mortgage payments by at least three months because of the COVID-19 pandemic. The goal of HAF is to prevent foreclosures and displacements of eligible homeowners. Mass HAF is funded by the American Rescue Plan Act (ARPA).

You may qualify for Mass HAF if:

• You own and live in a condominium, single family-home, or a 2-, 3- or 4-family property in Massachusetts

• You are behind on your mortgage payments by at least 3 months

• You or someone in your household had their income go down, or living expenses go up, after January 21, 2020 because of the COVID-19 pandemic. This includes job loss, fewer work hours, paying more for childcare, illness, or being unable to work because you had to take care of a family member

• You meet the program’s income limits

Mass HAF assistance is for overdue mortgage payments and if you qualify, your mortgage servicer would be paid directly. The assistance is a grant not a loan. You do not have to pay it back. 

Learn if you qualify for Mass HAF at

How to Apply

The application is online. Learn more and apply at You can also complete a short online screener to see if you qualify. If you have questions about Mass HAF, you can call 833-270-2953, Monday - Saturday, 8 a.m. – 7 p.m.
You can also contact ACT Lawrence at 978-685-6274 or Lawrence Community Works at 978-722-2645.