FITCHBURG -- The HomeOwnership Center of North Central Massachusetts is hosting a preforeclosure clinic Feb. 7, Feb. 13 and Feb. 28 at the Twin Cities CDC office.

The HomeOwnership Center staff will help homeowners evaluate preforeclosure options at no cost, which include refinancing your mortgage, modification of your existing mortgage, a repayment plan, short sale and deed-in-lieu.

To register for the Feb. 7 or Feb. 28, 5:30 p.m., or the Feb. 13, 10 a.m. class, email or call the HomeOwnership Center at 888-978-6261. Twin Cities CDC is located at 470 Main St.

The HomeOwnership Center of North Central Massachusetts is a collaborative of five nonprofits that provides education and resources for first-time homebuyer and existing homeowners in Ashburnham, Ashby, Athol, Ayer, Baldwinville, Clinton, Fitchburg, Gardner, Groton, Harvard, Hubbardston, Lancaster, Leominster, Lunenburg, Petersham, Phillipston, Royalston, Shirley, Sterling, Templeton, Townsend, West Townsend, Westminster and Winchendon.