The COVID-19 pandemic has led to numerous hardships across the country. This public health crisis has also created massive economic issues both for families who own their homes as well as those who are renting. The good news is that there are programs available to help those who are in need. This starts with the Department of Housing and Urban Development (HUD).

What if I am Looking for Affordable Housing?

If you are looking for affordable housing, then the Department of Housing and Urban Development can help with this as well. HUD has a helpful tool that you can use to find affordable housing in your area.

One specific example that might be of use to you is the HUD Public Housing Program. This program has been designed to provide housing to families with low incomes. This is safe housing that has been designed to get people off the streets, providing a roof over their heads.

If you would like to know if you are eligible for this program, there is a helpful benefit page as Housing through this program could include single-family homes, townhouses, and even apartments. These vouchers are given out by Public Housing Agencies, so see if you qualify for this program as well.

Avoiding Foreclosure During the Pandemic

If you currently own your home and are at risk of foreclosing due to circumstances that have been created by the COVID-19 pandemic, you are not alone. There are lots of people who are worried about being unable to make their next mortgage payment.

If this sounds like you, then you need to reach out to your lender immediately. You should not have to lose your home over this issue and most lenders will be willing to work with you if you provide information on your current situation, your new income, and your expenses. Then, your lender should be able to help you set up a payment plan to help you keep your home. They do not want you to foreclose either.

If you feel like you are going to foreclose, the good news is that many states have put measures into place to avoid evictions and foreclosures. This comes on top of the Real Estate Settlement and Procedures Act which prohibits lenders from taking action regarding foreclosure until 120 days have passed since the mortgage payment was missed. This provides you with time to meet with your lender to address issues related to your current housing and income situation.

Where Can I Access Resources for Homelessness Assistance?

There are a lot of people who are currently experiencing homelessness. Some people might have been homeless for a long time while others might be homeless for the first time. The good news is that there are resources available provided by the Department of Housing and Urban Development.

These resources provide citizens with access to local shelters that are following guidelines that have been issued by the Center for Disease Control and Prevention (CDC), making sure that people stay safe.

In addition, another great resource that is available to those in need is a counselor from the Department of Housing and Urban Development. A HUD counselor can help people walk through the process of buying a list, renting a home, avoiding defaults, and how they can improve their credit.

Finally, there is also a comprehensive list of counseling agencies available through the Consumer Financial Protection Bureau. If you would rather speak to someone over the phone, you can also call 1-800-569-4287.

Resources Are Available for Housing Assistance 

If you are looking for housing assistance in any way during the COVID-19 pandemic, resources are available. Make sure that you know your rights and explore all of your options.