Non-profit housing development and environmental agency that administers Farmers Home Administration programs in Athol, Petersham, Phillipston, and Royalston. Low interest loans of up to $15,000 are available to make home repairs in the areas of safety, health, winterization, weatherization, and energy conservation. Elder home owners 62 and over may be eligible for full or partial grants of up to $5,000 for these purposes. Dwellings must be owner occupied. Application assistance provided. There are income eligibility requirements. The Family Self Sufficiency Program ties section 8 rental assistance with other services that help families to become independent. Family would work with a case manager, sign a contract that would require them to accomplish certain goals within a five year period. SErivces provided would include child care, transportation, education and job training.