One-Stop Federal Site on Eviction and Mortgage Protections

Legislation | May 20, 2020 | by Linda Couch

The HUD, the U.S. Consumer Financial Protection Bureau, the Federal Housing Finance Agency have teamed up to produce a one-stop websource of information for individuals on eviction protections and foreclosure relief under COVID-19.

The HUD, the U.S. Consumer Financial Protection Bureau, the Federal Housing Finance Agency have teamed up to produce a one-stop websource of information for individuals on eviction protections and foreclosure relief under COVID-19.

The site may be useful for LeadingAge members helping educate staff, service providers, and others about options to remain stably housing during the pandemic.

The CARES Act included an eviction moratorium for nonpayment of rent and prohibits late fees or other penalties for anyone renting from an owner who has a federally insured or Government Sponsored Entity (GSE)-backed mortgage, living in federally subsidized housing or getting a federally subsidized grant or voucher. This moratorium is in place until July 24, 2020. The CARES Act also protects additional renters from eviction for nonpayment of rent if their owner has a federally- or GSE-backed mortgage and receives mortgage forbearance relief under the CARES Act. The site includes information on how to determine if a rental home has a federally- or GSE-backed mortgage.

Because many state and local governments have also implemented their own eviction moratoria, the site links to Princeton University’s Eviction Lab, one of several sites keeping track of these state and local laws.

Regarding mortgage relief options, the site reviews protections for homeowners with mortgages that are federally or Government Sponsored Enterprise (GSE) backed or funded (by FHA, VA, USDA, Fannie Mae, or Freddie Mac). Tools help users figure out who services their mortgage and whether their mortgage is federally backed or funded. For people with mortgages that are not federally backed or funded, the site also walks users through how to contact their mortgage servicer and determine what relief options may be available.

The site links to a searchable database offered by the National Low Income Housing Coalition that will allow some renters to identify if their home is covered by the CARES Act eviction moratoriums. According to NLIHC, these tools contain data on millions of apartments in multifamily housing insured by the Federal Housing Administration or securitized by Fannie Mae or Freddie Mac, and millions more supported by the Low Income Housing Tax Credit, HUD, and/or USDA programs.

If you are renting from an owner who has a federally insured or Government Sponsored Entity (GSE)-backed mortgage, live in federally subsidized housing or get a federally subsidized grant or voucher, you cannot be evicted for nonpayment of rent between March 27 and July 24, 2020 due to the CARES Act.

Provisions in the HEROES Act, which passed the House on May 15, would expand an eviction moratorium to all renters, regardless of whether they have a written lease and regardless of whether their home is federally subsidized or federally-backed.