Eviction Prevention, Emergency Rental Assistance, and FHA Mortgage Relief

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Eviction Prevention, Emergency Rental Assistance, and FHA Mortgage Relief

Emergency Rental Assistance:

The federal government is conducting an all-out push to make sure tenants and landlords take advantage of the historic funding for emergency rental assistance to help cover rent, utilities, and other housing costs and keep people in their homes.

Thanks to the American Rescue Plan, billions of dollars in federal rental assistance is reaching renters behind on housing costs, as well as landlords who have struggled during the pandemic. These programs are run locally, and right now emergency rental assistance is available across the country.

We are putting out a call to action to government agencies, companies, advocates, nonprofits, the faith community, and more to make sure that renters and landlords are able to take advantage of the relief available to them.  

Today, the Consumer Financial Protection Bureau (CFPB) debuted a new look up tool (consumerfinance.gov/renthelp) that allows renters and landlords to find information on rental assistance in their area. Help us spread the message: Rental assistance is available. We can prevent evictions—benefiting renters and landlords.

While we are encouraging people to help get the word out on July 28th to connect people to CFPB’s new tool, these resources will continue to be valuable to renters and landlords beyond the 28th, and we welcome any and all continued outreach efforts.

HUD-FHA Home Ownership COVID-19 New Flexibilities:

Hardships from the COVID-19 pandemic continue to be felt across the economy. There are still FHA borrowers who are at least 60-days delinquent on their mortgage who have not sought assistance to avoid foreclosure proceedings. HUD is seeking your assistance in communicating the availability of COVID-19 forbearance relief for delinquent FHA borrowers.

Attached please find a toolkit that you can use to provide effective information to struggling FHA homeowners in your community in a joint effort to prevent them from losing their homes.

With your support, we can make a difference in the lives of many at-risk families who are still reeling from the ongoing economic implications of the COVID-19 pandemic.

The federal eviction moratorium expires this week and millions are at risk of losing their homes. This step-by-step guidance can help: https://www.usich.gov/tools-for-action/at-risk-of-eviction-help-is-available

FHA Borrowers Are Eligible for COVID-19 Forbearance Relief

FHA Borrowers Should Act Now

If you are struggling to make your mortgage payment on your FHA-insured mortgage because of COVID-19, help is available. Here are the steps you should take now.

Contact your mortgage servicer and request a COVID-9 forbearance. When working with your servicer, you should:

State that you are having a financial hardship due to COVID-19. You will not be required to provide documentation of this hardship;

Request a COVID-19 Forbearance for your mortgage payments;

Ask your servicer to confirm the details of your agreement in writing.

For help talking to your mortgage servicer or understanding your options, contact a HUD-approved housing counseling agency in your area.

Are you on an FHA COVID-19 Forbearance Plan that is about to expire on July 31st? You may be eligible for more assistance. Please reach out to your mortgage servicer today. Learn more at: https://www.hud.gov/coronavirus/resources_for_homeowners.