The FHCWM is pleased to offer these community resources regarding housing rights and responsibilities in the current housing market as impacted by the ongoing effects of the COVID-19 pandemic. The FHCWM has partnered with the City of Grand Rapids, the Grand Rapids Urban League, the Hispanic Center of West Michigan, Legal Aid of Western Michigan, and the Housing Stability Alliance among others to provide timely information about evictions including an overview of the eviction process, especially during COVID-19, for both private and federally subsidized rental housing.
NEW: The CDC is extending the current order temporarily halting residential evictions until at least March 31, 2021.
NEW: Federal Housing Administration (FHA) announced (12/21/2020) it is extending the foreclosure and eviction moratorium for single family FHA-insured mortgages for an additional two months, through February 28, 2021. The FHA is also extending through February 28, 2021, the deadline for single family borrowers with FHA-insured mortgages to request an initial COVID-19 forbearance from their mortgage servicer to defer or reduce their mortgage payments for up to six months, which can be extended for an additional six months.
If you are a homeowner with an FHA-insured mortgage:
- You will not be foreclosed upon or evicted from your home, nor have new foreclosure actions started through February 28, 2021.
- You can ask your mortgage servicer for an initial forbearance of your mortgage payments through February 28, 2021.
The Eviction Diversion Program (EDP) is designed to keep Michigan residents who fell behind on their rent during COVID-19 in their homes. The program utilizes a special court process to get fast rental assistance for renters who have been impacted. Rental assistance in the amount of $50 million is available in the form of lump sum payments to landlords in exchange for allowing tenants to remain in their homes, forgiving late fees and up to 10% of amount due. Find your local agency on this Michigan EDP Contact List.
The FHCWM has also gathered a list of housing and community resources that we hope are helpful to those looking for information for themselves or others. We’ll do our best to keep them current.
- Information about Evictions during COVID-19 for Tenants and Homeowners
- Información acerca de Desalojos durante el Crisis de Covid-19 para Residentes
- Information about Evictions during COVID-19 for Housing Providers
- Información acerca de Desalojos durante el Crisis del COVID-19 para Proveedores de Vivienda
- Housing & Community Resources for Residents during COVID-19
- Recursos de Vivienda y Comunitarios para Residents durante COVID-19
- National Fair Housing Alliance COVID-19 Resource Center
- National Low Income Housing Coalition: Overview of National Eviction Moratorium
For homeowners with federally or GSE-backed (Fannie Mae or Freddie Mac) or funded mortgages, you can find more information, including on the Federal Housing Finance Agency Foreclosure and Eviction Moratorium Extension (Fannie Mae and Freddie Mac backed single-family mortgages only) here. You can find help on finding who owns or services your mortgage here.
Please note that the FHCWM cannot assist with evictions. However, if you feel that you are being treated differently in your housing, including during an eviction or other housing process, because of your race, color, religion, sex (including sexual orientation, gender identity), national origin, familial status, disability, marital status, or age, please contact the Fair Housing Center of West Michigan at 616-451-2980. Some local cities add source of income or sexual orientation as protected classes. Fair Housing laws prohibit:
- sexual harassment by housing providers
- selective attempts to evict (for example, only families with children are evicted)
- bias or hate-related harassment because of any of the above protected classes
- harassment or refusal to house anyone who has had or is suspected to have COVID-19
- refusal to work with people with disabilities for needed accommodations/modifications
- denial of access of necessary caregivers or for seniors or others with disabilities