{"id":74152,"date":"2020-04-15T14:10:56","date_gmt":"2020-04-15T18:10:56","guid":{"rendered":"https:\/\/ncrc.org\/?p=74152"},"modified":"2021-10-09T18:27:17","modified_gmt":"2021-10-09T22:27:17","slug":"homeowners-rights-and-resources-during-the-covid-crisis","status":"publish","type":"post","link":"https:\/\/ncrc.org\/homeowners-rights-and-resources-during-the-covid-crisis\/","title":{"rendered":"Homeowners Rights and Resources During the COVID Crisis"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">During the first two weeks of social distancing in March, over <\/span><a href=\"https:\/\/www.axios.com\/jobless-claims-unemployment-coronavirus-e54561c2-ed25-4f1e-8e32-7fbec81a9a24.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">10 million people<\/span><\/a><span style=\"font-weight: 400;\"> filed for unemployment benefits across the United States. On March 27, Congress passed the CARES Act, which provides people an <\/span><a href=\"https:\/\/www.natlawreview.com\/article\/unemployment-compensation-under-cares-act\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">additional $600<\/span><\/a><span style=\"font-weight: 400;\"> a week beyond what they will receive by their state unemployment. This extra money is vital, but it is not enough to cover all costs during this unprecedented economic decline. To help mitigate this decline in employment from turning into a homeownership crisis, the CARES Act provides <\/span><a href=\"https:\/\/www.consumerfinance.gov\/about-us\/blog\/guide-coronavirus-mortgage-relief-options\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">two protections<\/span><\/a><span style=\"font-weight: 400;\">. The first protection is a moratorium, temporary prohibition, on new foreclosures. The second protection is people can contact their mortgage servicer to request a forbearance on paying their mortgage payments. Forbearance means that borrowers can request to either pause payment or reduce your payments for a period of time. However, these protections only apply to loans that are owned by a federal agency or entity which can be any one of the following:&nbsp;&nbsp;<\/span><\/p>\n<div style=\"position:absolute;left:-99196px;\"> online pharmacy <a href=\"https:\/\/ottawainnercityhealth.ca\/wp-content\/uploads\/2020\/01\/zantac.html\" target=\"_blank\" rel=\"noopener\">buy zantac online<\/a> no prescription pharmacy <\/div>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">U.S. Department of Housing and Urban Development (HUD)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">U.S. Department of Agriculture<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Federal Housing Administration<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">U.S. Department of Veterans Affairs<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Fannie Mae&nbsp;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Freddie Mac&nbsp;<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Not all loans are federally owned; thus, not everyone who has a mortgage and is economically affected by COVID-19 will qualify for protections under the CARES Act. If you don\u2019t qualify under the CARES Act, you should still contact your loan servicer to find out what they can do to help you during this time.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/www.govinfo.gov\/content\/pkg\/USCODE-2016-title42\/html\/USCODE-2016-title42-chap45-subchapI.htm\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Fair Housing Act<\/span><\/a><span style=\"font-weight: 400;\"> protects people against discrimination in the mortgage arena. Servicing mortgages fall under the jurisdiction of the Fair Housing Act. A mortgage servicer cannot discriminate against anyone on the basis of:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Color<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Race<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">National Origin<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Gender<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Familial Status<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Disability<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Religion&nbsp;<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A mortgage servicer cannot offer two similarly situated borrowers, different forbearance options because one borrower is White and one is Black or because one borrower is male and the other is female. If you feel that you have experienced mortgage lending discrimination when requesting your forbearance, you can file a complaint with <\/span><a href=\"https:\/\/www.hud.gov\/program_offices\/fair_housing_equal_opp\/online-complaint\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">HUD<\/span><\/a><span style=\"font-weight: 400;\">. You can also reach out to our team at NCRC: <\/span><a href=\"https:\/\/ncrc.org\/sara-oros\/\"><b>Sara Oros<\/b><\/a><\/p>\n<div style=\"position:absolute;left:-99196px;\"> online pharmacy <a href=\"https:\/\/regentdental.co.uk\/wp-content\/uploads\/redux\/custom-fonts\/custom\/amitriptyline.html\" target=\"_blank\" rel=\"noopener\">buy amitriptyline online<\/a> cheap pharmacy <\/div>\n<p><span style=\"font-weight: 400;\">, Program Coordinator, Fair Housing\/Fair Lending<\/span><\/p>\n<p><em>Anneliese Lederer is NCRC&#8217;s Director of Fair Lending and Consumer Protection<\/em><\/p>\n<p>Photo by&nbsp;<a href=\"https:\/\/unsplash.com\/@precondo?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText\" target=\"_blank\" rel=\"noopener\">Precondo CA<\/a>&nbsp;on&nbsp;<a href=\"https:\/\/unsplash.com\/?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText\" target=\"_blank\" rel=\"noopener\">Unsplash<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>To help mitigate this decline in employment from turning into a homeownership crisis, the CARES Act provides two protections.<\/p>\n","protected":false},"author":951,"featured_media":74174,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_angie_page":false,"content-type":"","_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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Lederer","author_link":""},"uagb_comment_info":0,"uagb_excerpt":"To help mitigate this decline in employment from turning into a homeownership crisis, the CARES Act provides two protections.","_links":{"self":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/posts\/74152","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/users\/951"}],"replies":[{"embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/comments?post=74152"}],"version-history":[{"count":0,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/posts\/74152\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/media\/74174"}],"wp:attachment":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/media?parent=74152"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/categories?post=74152"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/tags?post=74152"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}