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  • SUN Initiative Homeowners

    John and Christine H.,

    Duxbury, MA

  • Sun Initiative Homeowners

    Phil and Lauren B. with their children,

    Blackstone, MA

  • SUN Initiative Homeowner

    Roberto G.,

    Lynn, MA

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Do I qualify?

Find out if you are eligible for the SUN initiative and reduce your monthly household expenses.

Learn More »

Partners & Resources

Not ready to apply just yet? Get housing advice, financial counseling, legal services, and more.

Find Resources »

Ready to apply

If you're facing foreclosure and are eligible for the SUN initiative, we can help you stay in your home.

Apply Now »

Need foreclosure relief?

We're here to help.

SUN, or Stabilizing Urban Neighborhoods, is dedicated to helping Massachusetts, Maryland and Rhode Island families facing home foreclosure. The SUN Initiative helps families who have a steady income – but can’t make their monthly mortgage payments due to hardship – remain in their homes. Since inception in 2009, SUN has helped over 500 families stay in their homes.

To learn more, call us TOLL-FREE at 855-604-HOME (4663), or if you are ready to apply, click on the button below.

Ready to Apply     Existing Aura Mortgage borrowers? Login »
 Our mortgage loans are made by Boston Community Capital's affiliate, Aura Mortgage Advisors. Aura is a licensed mortgage lender (N.M.L.S #23467).

Inner Slideshow
"Boston Community Capital is pursuing an innovative strategy to prevent occupied homes from becoming vacant."
-Ben S. Bernanke,
Former Federal Reserve Chairman
"By helping individual homeowners, SUN is not only bringing hope to its clients, but also making a difference in the quality of life of our city neighborhoods."
-Thomas M. Menino,
Former Boston Mayor
“Initiatives like SUN that present creative solutions and sounds underwriting practices are important parts of the mix of non-profit, community and government programs in place to help those facing foreclosure.”
-Barbara Anthony,
Undersecretary of Consumer Affairs and Business Regulation, Commonwealth of Massachusetts
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“I believe when you fall down you need someone who can pick you up...all I wanted was a chance to prove I could do it.”

—Sellou D., SUN homeowner,
Springfield, MA

More Impact stories


Wondering if you are eligible?

  1. Are you late on your mortgage payments, going through foreclosure, or facing eviction due to foreclosure?
  2. Do you live in Massachusetts, Maryland or Rhode Island?
  3. Do you have stable income?


If you answered yes to all three questions, we encourage you to apply. Eligibility can be determined over the phone. Call us TOLL-FREE AT 855-604-HOME (4663) or complete our inquiry form, and an Inquiry Specialist will get back to you shortly.

When you call, please be sure to provide the best way to reach you — cell phone, email, work, or home phone, and when you are generally available.

Ready to Apply  
Our mortgage loans are made by Boston Community Capital's affiliate, Aura Mortgage Advisors. Aura is a licensed mortgage lender (N.M.L.S #23467).

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“Renegotiating mortgages on foreclosed homes keeps people in their homes and helps neighborhoods. Is it not a bailout or charity, but a sustainable model that big lenders could employ.”

– Elyse Cherry, CEO, BCC

Invest in SUN


Apply now - there's no fee.

Eligibility can be determined over the phone, call us or complete our inquiry form, and an Inquiry Specialist will get back to you shortly.

If you have any questions about documents required or if you're eligible, call us TOLL-FREE at 855-604-HOME (4663). Not all the information is required to start the eligibility process, but the more you can provide, the easier and faster the process is.

When you call, please be sure to provide the best way to reach you — cell phone, email, work, or home phone, and when you are generally available. 

Ready to apply? 

What you will need:

  • Last mortgage statements, including the 2nd mortgage or home equity line if you have one. Last bank statements
  • Last 30 days of pay stubs
  • Last 2 year tax returns
  • Loan and credit card information: How much do you still owe? How much do you pay each month? Include car and student loans.

Ready to Apply  
Our mortgage loans are made by Boston Community Capital's affiliate, Aura Mortgage Advisors. Aura is a licensed mortgage lender (N.M.L.S #23467).


Partners & Additional Resources

SUN works with community organizations and public officials throughout Massachusetts, Maryland and Rhode Island.

We have partnered with and helped clients referred to us by a wide range of organizations spread throughout these states. These organizations provide help on housing, financial counseling, legal services, and many other issues.

Our Residential Mortgage Lending is provided by Aura Mortgage Advisors, LCC (N.M.L.S. #23467), an affiliate of Boston Community Capital.