Problems paying rent during COVID-19? Read on.
The CARES Act
The Coronavirus Aid, Relief and Economic Security Act, or CARES Act, protects people who live in federally subsidized homes from being evicted during the pandemic. If this pertains to you, know that you are protected against eviction under this act. To qualify, you must:
- Live in a federally subsidized unit,
- Live in a federally subsidized low-income house or apartment, or
- Live in a home with a federally backed mortgage.
Federally financed mortgages are issued by organizations such as Fannie Mae, Freddie Mac, and the Federal Housing Administration (FHA).
Rent Assistance Programs
If you’re not protected by federal programs, try your local government assistance programs. Many cities and states are organizing programs to help those struggling with paying their rent. Check out the National Low Income Housing Coalition. You can use the interactive map and searchable database on this site to find state and local emergency rental assistance programs near you.
In addition, you might be able to postpone making rental payments with the help of deferral programs available in some states. To begin, locate the contact information for the local city or county government agencies in your state. One valuable resource for finding this kind of information is us.gov. 211.org is another resource that can assist in locating rental assistance programs specific to your area.
As the total length and impact of this pandemic are unknown, temporary assistance for rent and other needs may be extended. If you are having problems paying your rent, resources are available. Be proactive and start by immediately informing your landlord and researching resources for support. Many state and local governments are suspending eviction proceedings to give people more time. Leverage this opportunity to get the help you need.