Gravel

http://rismedia.com/2011-09-29/rock-solid-beauty-gravel-is-friendly-to-your-budget-and-the-environment/

Loan Modification

http://rismedia.com/2011-11-30/loan-modification-is-stressful-know-your-options/

HUD offers REO Homes for $100 down in select states

http://www.dsnews.com/articles/hud-offers-reo-homes-for-100-down-in-select-states-2011-10-24
Not currently in Mass. but let me refer you to another great agent in your area!