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Facing eviction? Find out if you’re in covered housing

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Landlords who are getting mortgage forbearance from the federal government during the pandemic have responsibilities to their tenants and may not evict them. You can find out if this applies to you, and use the information to avoid being evicted.

Find out if you’re protected

Use the tools below to find out if your building has a federally-backed mortgage. You must still check with your landlord to find out if they are getting mortgage relief.

If you need more help understanding your options, talk to a local expert.

How you're protected

You may be protected from eviction for as long as your landlord is getting mortgage relief (forbearance) if:

  • You live in a building with 5 or more units, and
  • The building has a mortgage backed by Fannie Mae or Freddie Mac (FHFA), the Federal Housing Administration (FHA), the U.S. Department of Agriculture (USDA), or the Veterans Administration (VA)

While your landlord is getting mortgage relief they can’t:

  • Evict you for unpaid rent or late fees, or
  • Charge you late fees or other penalties for paying rent late

These protections last for as long as your landlord is getting mortgage forbearance relief. Once that ends, they must give you at least 30 days’ notice if they ask you to vacate.

If your landlord's mortgage is backed by Fannie Mae or Freddie Mac (FHFA) or the Federal Housing Administration (FHA), your landlord:

  • Must tell you about the protections above, and
  • They can’t demand that you repay all the rent you owe in one lump sum.

Take advantage of free housing help

If you’d like help from a local expert, contact the Department of Housing and Urban Development (HUD)’s housing counseling program.

Call (800) 569-4287 or find a housing counselor

More eviction help

Sign and send the CDC Declaration to your landlord

You may have the right to stay in your home. It is up to you to take the steps to make that happen, according to the order from the Centers for Disease Control and Prevention (CDC).

Find out if your state and local government is stopping evictions

Some state and local governments have limited evictions to help prevent the spread of the coronavirus.