Help with Housing
Rental Assistance Programs:
Maryland has launched an "Assisted Housing Relief Program” that will offer four-month rent rebate vouchers for residents living in rental units in multifamily projects financed by the Maryland Department of Housing and Community Development (DHCD) using state funds or federal resources. DHCD has compiled a list of local rental assistance programs.To help residents stay in their homes and minimize evictions and homelessness, Baltimore City is launching a comprehensive Eviction Prevention Program in September. The program will cover up to six months of back rent; relocate households as needed; and provide legal services and case management to help residents with eviction proceedings. The program will be administered through the five Baltimore City Community Action Partnership (CAP) Centers.
The Religious Coalition, Frederick County, and the City of Frederick are partnering to provide rental assistance to those directly impacted by COVID-19. TO BE ELIGIBLE:
For more information and application: https://www.thereligiouscoalition.org/covid-emergency-rental-assistance/
Howard County: Residents can apply for up to three months of rental assistance through one of the participating providers.The Montgomery County Department of Health and Human Services offers COVID-19 housing stabilization services, including financial assistance to prevent evictions, foreclosures and utility disconnections. To apply for assistance, you can schedule a phone interview by calling 311. If calling from outside of Montgomery County, please call (240) 777-0311.
September 1, 2020, the Center for Disease Control and the Department of Health and Human Services announced a 4-month halt on evictions against renters. To qualify for the protection, renters must provide a written certification covering several requirements. The Fair Housing Action Center of Maryland published key points on the eviction moratorium.
The Federal Housing Finance Agency is offering multifamily property owners mortgage forbearance with the condition that they suspend all evictions for renters unable to pay rent due to the impact of coronavirus. For more information on these suspended evictions, click here.
Evictions in Maryland are only permitted with a court order (Writ of Possession) and must be overseen by the local sheriff's office after a judgment for possession is awarded to the landlord by a judge. Landlords may not change the locks, remove personal belongings, terminate utility services, or otherwise engage in “self-help” efforts as an alternative means for evicting tenants from a property outside the court process. If tenants face unlawful eviction efforts, receive notice of an eviction case, or are facing other issues related to their tenancy they should seek representation from their local Legal Aid office or another legal services provider. Some funding may be available for certain tenants to help catch up on missed rent payments. For information about possible sources of funding to help prevent an eviction check out the 211MD website.
Beginning April 20th, Anne Arundel County residents can apply to the Eviction Prevention Program and access the free confidential financial and foreclosure prevention counseling services by calling ACDS at 410-222-7600 (then dial zero). For more information, click here.
Residential foreclosures cannot be initiated, pursuant to Governor Hogan’s executive order 20-04-03-01, meaning that lenders can not start the process of forclsoure by issuing the "initial notice of intent" to foreclose. If you have already received the initial notice of intent or are concerned that your lender will puruse foreclosure, call the Maryland HOPE hotline at 1-877-462-7555.
The Consumer Financial Protection Bureau has created "Mortgage and housing assistance during the coronavirus national emergency" and a video to explain the options.
The Federal Housing Finance Agency annouced help for homeowners who are having difficulty paying their mortgage due to the public health crisis. Click here for detailed information: MORTGAGE HELP FOR HOMEOWNERS IMPACTED BY THE CORONAVIRUS.
Maryland's Department of Labor, Financial Regulation Division has information if you are having difficulty paying your mortgage as a result of the COVID 19 crisis. Please note that while privately held mortgages will likely resume, foreclosures on homes with federally backed mortgages are on hold until August 31st.
Maryland Volunteer Lawyer Service also has information on Baltimore City's Tax Sales that occurred on July 20th.
Financial Institutions' Responses:
The American Bankers Association has compiled an alphabetical list of publicly announced steps banks of all sizes have taken to respond to the crisis, including mortgage assistance plans.
The MD&DC Credit Union Association has a consumer resource page on their website, including a link to each credit union's so you can check for their COVID 19 assistance programs.
College students have been greatly impacted by COVID-19. As students start preparing for the fall semester, many students living in off-campus housing are concerned about the safety of their apartment complexes, have many questions regarding their leases, and their rights as tenants. To address the students’ concerns, Maryland Consumer Rights Coalition created a Student Rental Housing During COVID-19 FAQ.