Community Service Network, Inc. (CSN)

The STAF Program focuses on maintaining and sustaining housing for cost-burdened

Stoneham homeowners.   STAF provides monetary assistance for low- to moderate-income Stoneham homeowners who are cost-burdened by housing.    For the Application or more details, see https://drive.google.com/drive/folders/1encA02agKtbDZVlPF4MfUCCUvIZKyRWx?usp=drive_link 

CSN is a helping hand rather than a hand-out. CSN helps our clients within CSN’s service area to assist with gathering and sharing of information and finding solutions through knowledge and services.  CSN educates our clientele so they can improve their standard of living in a dignified manner. 

Disabled and looking for grant assistance - https://grantsfordisabled.org/grants-for-disabled-people-in-massachusetts/

Pre-purchase First Time Homebuyer Education Courses are offered for all communities in Massachusetts and are not a community specific service.  

FACE TO FACE CLASSES, WEBINAR COURSES, AND ONLINE HYBRID COURSES                                

FACE TO FACE CLASSES Community Service Network, Inc. ‘s next face-to-face course is scheduled for this Winter on Mondays and  Wednesdays, February 2, 4, 9, and 11, 2026 and sponsored by StonehamBank.  (Registrations must be received by noon Thursday,January 29, 2026.)                        

ONLY PEOPLE WHO ARE PRE-REGISTERED MAY ATTEND THIS COURSE. 

Spring Course is scheduled for Mondays and Wednesdays, May 4, 6, 11, and 13, 2026. Sponsored by Rockland Trust -  (Registrations must be received by noon Thursday,April 30, 2026.)                        

ONLY PEOPLE WHO ARE PRE-REGISTERED MAY ATTEND THIS COURSE. 

Summer Course  is scheduled for Mondays and Wednesdays, August 3, 5, 10, and 12, 2026

 (Registrations must be received by noon Thursday,July 30, 2026.)                        

ONLY PEOPLE WHO ARE PRE-REGISTERED MAY ATTEND THIS COURSE. 

Fall Course is scheduled for Mondays and Wednesdays, December 2, 7, 9, and 14, 2026

 (Registrations must be received by noon Tuesday,November 24, 2026.)                        

ONLY PEOPLE WHO ARE PRE-REGISTERED MAY ATTEND THIS COURSE. 

(Class registration may close prior to the date listed above if class is full.)

Each of the four sessions for each course offering will be held from 6:00PM to 9:30PM.

Cost of the class is $50.00 individual or co-residing couple (household) taking the course together; which may be paid online by requesting an invoice or by check mailed to CSN (91B Summer Street, Stoneham, MA  02180-1843) prior to the registration deadline. 

​email brynadavis@csninc.org for the registration form. or You can find scheduled courses on My Mass Home's website https://www.mymasshome.org/ or  CHAPA’s website www.chapa.org    

WEBINAR CLASSES Next webinar offering is not yet scheduled. You can find scheduled courses on My Mass Home's website https://www.mymasshome.org/ or  CHAPA’s website www.chapa.org                                                                                                      

All Face to Face and Webinar Courses ....The course is four sessions and is designed to help you learn about obtaining a mortgage, your credit, preparing for your down payment, getting ready to buy a house, working with your team of professionals, how to find “YOUR” house and how to find the best deal for you. This course does include Lanlord-Tenant for Multi-family purchases. The cost to participants is $50.00 per person (household) or co-residing couple for this course. Upon completion of the four class sessions and submission of required assignments, attendees will be awarded Pre-Purchase First Time Home Buyer course completion certificates.  Certificates are valid for two years from the course completion date. Participants must be preregistered for the course.   Classes are limited to 20-25 participants on a first come first served basis. Questions email brynadavis@csninc.org or call CSN at (781)438-9254 

ONLINE HYBRID PRE-PURCHASE HOMEBUYER COURSE (Hybrid Course-Online Modules plus 1 follow up session required) In Partnership with FRAMEWORK                                                             Smart Homeownership Starts Here Buying a home is a big deal, whether you're doing it for the first time or getting back into the ever changing market.  When you educate yourself for smart home ownership, you'll navigate every step of the process with confidence.  If you are looking for education to understand the home buying process or you are in process of obtaining a loan to purchase a home, and you are unable to participate in one of our in-person or webinar Pre-purchase Home Buyer courses, CSN offers an online hybrid version of the Pre-purchase Homebuyer Course in partnership with FRAMEWORK. This course consists of 7 lessons each with multiple topics and its own quiz that must be passed with an average score of 80% or above. Once finished with all seven lessons and assessments, participants must complete a current and a future-"projected" once in your new home budget and submit them as well as, participate in a follow-up appointment (in order to complete all additional curriculum plan for up to 3 hours for a single family; plan for up to 3.5 hours for a condominium; and plan for up to 5 hours for multi-family home purchase- depending upon participant questions) with one of CSN's  Home Buyer Counselors either online or at the CSN's offices.  (CSN's office hours are Monday through Thursday 9:00am to 4:00pm & Friday 9:00am to noon.)  It can take up to a week or two from when you complete the online component to complete the face to face component please plan accordingly. For the Online Hybrid Course you must register and pay Frameworks for the online portion of the course which costs $75.00 per person or per couple/household (2 adults) . Your follow-up appointment for single family or a condo purchase will cost $50 payable to CSN by cash or check at your face to face appointment or online if follow up session is completed as a video conference. Purchasing a multi family home ....You can add an additional certification for multi-family homes for an additional $25 per person or per couple/household (2 adults) registering together. (Also, plan on an additional hour plus for your follow-up appointment.)  If you are purchasing a multi-family home with an MHP loan product you may be required to complete an additional one-on-one counseling session with an MHP approved individual counselor.   (Completion of the online course modules, additional assignments, and attending the follow-up appointment is required for course completion.)   Certificates are valid for two years from completion.

 IF YOU ALREADY HAVE A FINANCING CONTINGENCY DATE AND/OR A CONSUMMATION/CLOSING DATE AND IT IS LESS THAN 3 WEEKS AWAY PLEASE CALL AND VERIFY APPOINTMENT AVAILABILITY PRIOR TO SIGNING UP FOR THE COURSE 781-438-9254. To sign up go to:  https://learn.frameworkhomeownership.org/csninc

CSN’s housing counselor works with homeowners living in CSN’s coverage area who are in danger of foreclosure.

The level of hands on involvement depends greatly upon the situation and the homeowner.

CSN will help the homeowner prepare a budget, a loss mitigation package for their lender, read and review hardship statements, and guide the homeowner through the process of applying for a loan modification.

CSN discusses all of the options available with the homeowner and work with the homeowner to reach the best outcome possible for the individual household.

Massachusetts.gov foreclosure resources

https://www.mass.gov/service-details/preventing-foreclosure

www.mass.gov/CovidHousingHelp  or Call: 2-1-1