Rent and Mortgage Assistance
If you are struggling to pay rent or have an eviction in process, apply for COVID Emergency Rental Assistance (CERA) now. Learn more from Legal Aid of Western Michigan here. and here. For more information on CERA, including the phone number and locations with walk-in assistance for Kent County, visit https://endhomelessnesskent.org/cera/. Click here for a statewide list of local CERA contact support numbers.
NOTE: Federal Housing Finance Agency (FHFA) announced that Fannie Mae and Freddie Mac are extending the moratorium on single-family real estate owned (REO) evictions until September 30, 2021. HUD is also extending to the eviction moratorium on properties with FHA-insured mortgages through September 30, 2021. Click here for more information. Find resources for federally backed and other kinds of mortgages here (note the links are still helpful even though it references the July 31, 2021 deadline which was extended through September.
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
Federal Housing Administration (FHA) announced it is extending the foreclosure and eviction moratorium for single family FHA-insured mortgages also through July 31, 2021. The FHA is also extending through June 30, 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.
- You can ask your mortgage servicer for an initial forbearance of your mortgage payments.
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