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Homeowner Options for Massachusetts Elders (H.O.M.E.) is a private nonprofit organization dedicated to protecting the equity of low- and moderate-income elder homeowners so they can afford to "age in place" with dignity and financial security. A nationally recognized model for elder homeowner protection, H.O.M.E.'s foundational program provides in-depth professional counseling for clients on a range of financial, homeowner, and elder issues, including loans when no other alternative is available to sustain clients in their homes. If a loan is determined to be appropriate, H.O.M.E.'s unique partnership with over 70 community lenders, offering low-cost Reverse Mortgage Loans and Senior Equity Lines of Credit developed solely in support of H.O.M.E.'s mission, plays a critical role. H.O.M.E. also provides advocacy on public policy issues to protect low- and moderate-income elder homeowners.