FITCHBURG — The HomeOwnership Center of North Central Massachusetts is hosting a pre-foreclosure clinic Aug. 1, 14 and 29 at the Twin Cities CDC office.

The HomeOwnership Center staff will help homeowners evaluate pre-foreclosure 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 Aug. 1 or 29, 5:30 p.m., or the Aug. 14, 10 a.m. class, please 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 home buyer 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.