Nationwide


Homeowners who are struggling to make mortgage payments due to a COVID-19 related hardship may qualify for a mortgage relief option. Consumer Financial Protection Bureau (CFPB) offers information and education for homeowners to help them avoid foreclosure. CFPB offers a finder tool for homeowners to locate housing counselors in their community.

Services:

  • United States Department of Housing and Urban Development (HUD) approved housing counseling agencies finder tool
  • Education about forbearance and foreclosure

Eligibility:

Homeowners may use the site to locate local housing counselors who can explore options for mortgage assistance. Eligibility requirements will vary based on residency and income.

Intake Process:

Homeowners can search for local agencies who offer HUD-approved housing counseling here:
www.consumerfinance.gov/find-a-housing-counselor/

Payment:

No Cost to Participant

Handicap Accessible: No

Appointment Needed: No

Website: View Website


Program: Help for Renters

Federal, state, and local governments are offering help with housing expenses and avoiding eviction for individuals and families who are struggling to make rent payments as a result of the COVID-19 pandemic. Consumer Financial Protection Bureau (CFPB) offers information for renters and landlords about legal rights and responsibilities. CFPB's site directs individuals to programs within their community who can assist with rental assistance through the U.S. Department of Treasury’s Emergency Rental Assistance (ERA).

Services:

  • Emergency Rental Assistance (ERA) finder tool
  • Information about tenant and debt collection rights
  • Education about eviction process

Eligibility:

To be eligible for help covering rent, individuals must have an agreement to pay rent for their home or mobile home lot. Individuals do not necessarily need to have a signed lease. The home could be an apartment, house, mobile home, or other place.

These three statements also need to be true:
1. At least one member of the household has:

  • Qualified for unemployment or should qualify
  • Lost income
  • Owed large expenses, OR
  • Had other financial hardships

2. The household income is below a certain amount, based on location of residence. This eligibility requirement can be obtained from the local agency that processes the ERA applications.
3. At least one member of the household is experiencing housing instability, which means they are at risk of becoming homeless or would have trouble finding a stable place to live

Intake Process:

Individuals can search for local agencies who process applications for the ERA program here:
www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/renter-protections/find-help-with-rent-and-utilities/

Payment:

No Cost to Participant

Handicap Accessible: No

Appointment Needed: No

Website: View Website