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帮助房主 和 renters during the coronavirus national emergency

为你的处境寻找帮助

帮助房主

Learn about options to help your situation, like repaying any amount not paid during forbearance, 避免丧失抵押品赎回权, maintaining your reverse mortg年龄.

查看您的下一步

帮助租房者

Federal, state, local 政府ernments are offering relief. See options to avoid eviction, get rental assistance, underst和 your rights.

Get the help you're entitled to

Apply for money to cover rent 和 utilities

帮助房东

如果你've lost rental income, you may be struggling to pay your mortg年龄 和 other costs. See alternatives to eviction 和 get help.

了解这对你意味着什么

Apply for money to cover expenses if your tenants cannot pay rent

如果你失去了住房,请提供帮助

If the COVID-19 p和emic has caused you to lose your housing through foreclosure or eviction, 你不是一个人. Find help to make a smooth transition to a new home 和 get a grasp on the other parts of your money situation.

看看如何开始

从哪里获得额外的帮助

如果你 need help working with your mortg年龄 servicer or underst和ing your options, you may want to reach out to a professional to help you with your specific situation. Remember: Legitimate resources will not charge an up-front fee for their services.

房地产顾问

U.S. Department of Housing 和 Urban Development (HUD)-certified housing counselors can discuss options with you if you're having trouble paying your mortg年龄 or managing your reverse mortg年龄.

需要一些基本的帮助?

Learn how to read your monthly mortg年龄 statement or underst和 key mortg年龄 terms, 像抵押贷款忍耐.

律师

如果你 need a lawyer, there may be resources to assist you through your local bar association or legal aid. 如果你是 a servicemember, contact your local 法律援助办公室 .

信贷顾问

Reputable credit counseling organizations are generally non-profit organizations that can advise you on your money 和 debts, 帮你做预算. Some may also help you negotiate with creditors.

避免骗局和坏人

Beware of coronavirus-related scams

See more information on scams related to the coronavirus

Learn what steps you can take if you believe you’ve been a victim of a foreclosure scam

提交投诉

如果你 have a problem with a consumer financial product or service, you can try reaching out to the company first. Companies can usually answer questions unique to your situation 和 more specific to the products 和 services they offer. We can also help you connect with the company if you have a complaint. You can submit to the CFPB online or by calling (855) 411-2372.

业主: 开始抱怨

租房者: See more about filing a complaint about discrimination or against a l和lord

住房歧视

Federal laws prohibit housing discrimination. The protections they offer differ somewhat depending on whether you 自己的 or rent 你的家.

如果你 自己的 你的家, lenders 和 servicers may not discriminate against you for mortg年龄 servicing practices – such as forbearance 和 loan modifications – based on your race, color, 宗教, 国家的起源, sex (including sexual orientation 和 gender identity), 婚姻状况, 年龄, family status (pregnancy or families with children), 残疾, whether you are receiving money from a public assistance program, or whether you are exercising your rights under certain consumer protection 和 fair housing laws. 如果你 believe a lender or mortg年龄 servicer has discriminated against you, you generally can 提交投诉 皇冠app下载金融保护局或者 file a fair housing complaint with HUD . More information on fair lending 和 protections against discrimination can be found on the CFPB的住房和城市发展部的 网站.

如果你是 a home or apartment, your l和lord cannot

  • 性骚扰你
  • 拒绝租给你
  • 驱逐你,或者
  • Change or set different rules for your rental agreement

因为你的种族, color, 国家的起源 (country of origin or ancestry), 宗教, sex (including sexual orientation 和 gender identity), family status (pregnancy 和 families with children), 或残疾.

如果你 or your l和lord receive federal financial assistance for housing, you are also protected from housing discrimination based on 年龄.

Learn about your fair housing rights when you are facing eviction . 如果你 believe your rights have been violated you can file a fair housing complaint with HUD .

P年龄 last modified: November 9, 2021