Telephone intake followed by application form. Eligibility: Low or moderate income Massachusetts homeowner, 50+, with only one residence. Hours of Operation: Mon-Fri 9-5. H.O.M.E. is a private non-profit organization which assists older people remain in their homes through counseling services about plans for the future, including long-term strategies to succesfully age in place and foreclosure prevention. H.O.M.E looks at refinancing options, sale and leaseback, reverse mortgages, loan modifications, equity lines of credit and tax deferrals. They serve all of Massachusetts.