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Homeowner and Renter Protections

Mortgage Forebearance

If the COVID-19 national emergency has impacted your ability to pay your mortgage, homeowners with FHA, USDA, VA, or Section 184 or 184A mortgages (for members of federally-recognized tribes) and those with mortgages backed by Fannie Mae or Freddie Mac have the right to request forbearance on their payments for up to 6 months, with a possible extension for another 6 months without fees, penalties, or extra interest. You should contact your mortgage servicing company directly. Find out more at the Federal Housing Finance Agency here

Governor Hogan enacted an executive order that stops lenders from initiating the mortgage foreclosure process. Nearly 70 of Maryland’s largest banks, credit unions, mortgage lenders, state agencies, and other financial entities have collaborated to provide additional flexibility to borrowers. Learn more.

Eviction Protections

Renters residing in public or assisted housing, or in a home or apartment whose owner has a federally-backed mortgage, and who are unable to pay their rent, are protected from eviction for 4 months. Property owners are also prohibited from issuing a 30-day notice to a tenant to vacate a property until after the 4-month moratorium ends. This protection covers properties that receive federal subsidies such as public housing, Section 8 assistance, USDA rural housing programs, and federally-issued or guaranteed mortgages. Renters whose landlord is not abiding by the moratorium should contact the relevant federal agency that administers your housing program or Maryland Legal Aid here.

Governor Hogan has issued an emergency order that prohibits Maryland courts from ordering the eviction of any tenant who can show that their failure to pay rent was the result of COVID-19—for example, because of lost or reduced unemployment, or needing to care for a school-aged child—or because they are diagnosed with, or under investigation for, COVID-19. Read the governor’s emergency order.

Energy Assistance for Low Income Families

The CARES Act includes $900 million to help low income Americans and their families heat and cool their homes. To learn more about the Maryland Energy Assistance Program (MEAP), click here or here.