Penobscot County assistance programs.

Get information on various non-profits and charities in Maine that offer low income and other qualified individuals access to assistance programs, help for paying energy bills, mortgage assistance, and other aid.

Foreclosure prevention and mortgage assistance programs

If you are behind on your monthly mortgage payment, or facing a foreclosure, contact MaineStream Finance. The non-profit agency is a HUD approved housing counseling agency. They offer a wide variety of assistance, and information on various programs. As an example, they provide either face to face or phone counseling when individuals or families are facing a foreclosure on their primary home. The services they provide are offered through government funds and private donations made available by both USDA and CHAPPA. The free foreclosure counseling programs are set up in 1 hour increments and will cover options besides foreclosure, budgeting, debt reduction and an action plan. Click here to learn more about Maine mortgage and foreclosure programs, or call them at 207-973-3500

Grants and financial assistance

The local Bangor community action agency, Penquis, offers services to residents of all of Penobscot County. Examples include the following. Call them at (207) 973-3500.

  • Heating and electric bill assistance programs - A few options include the Fuel Assistance program, Electrical Utility Assistance, the PUC refrigerator program (which provides free refrigerators), and also get assistance with bills from Central Maine Power Credit.
  • Home repairs and loans - One option includes the Home Emergency Loan Program. Loans can be used for either housing repairs, or the money can be used to addresses nearly any small homeowner emergency or to pay bills. Fees for services are on a needs-based sliding scale. There are conditions to receiving aid.




  • Free foreclosure assistance - The state of Maine offers several free foreclosure assistance programs that can help people save their homes. Read more.
  • Telephone Lifeline Program - This is a service that provides low to moderate income eligible households in Penobscot, Piscataquis, and Knox Counties with a rate reduction on the installation and monthly discounts on their phone bills.

Bangor Maine Salvation Army also offers people in need with several services and assistance programs. Some of the programs including holiday assistance, free food and a food pantry, warm coats, heating fuel and oil, clothing, and financial assistance for utility and other bills. Referrals and other support may be provided. Call (207) 941-2990, or learn more.

Catholic Charities of Bangor and Penobscot is a leading social service agency. Emergency housing, rent, and eviction prevention may be offered from PATH. The location has information on, and can refer clients to, food pantries and soup kitchens for free groceries and hot meals. Other services include assistance for immigrants, funds for heating bills, and basic needs such as clothing. Hundreds of families benefit from their programs every year. More on Maine Catholic Charities assistance programs.

Free, high quality legal assistance

Pine Tree Legal Assistance operates in Bangor and across Maine, and the goal of this statewide nonprofit law firm is to provide free, high quality legal assistance to elderly as well as low to moderate income Penobscot and Maine residents with civil legal problems. Using volunteer attorneys offering pro-bono services, as well as experienced paralegal advocate, the agency's Homeless Advocacy Program provides monthly outreach, foreclosure prevention advice, community education and advocacy services to the residents and staff of people faced with losing their homes as well as the areas homeless. The goal of the firm is to help all people secure safe and affordable housing, healthcare, education, deal with debt and access public benefits. Dial (207) 942-8241.




By Jon McNamara

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