This page is a summary of key resources for HUD-approved housing counseling agencies.
On April 20, 2020, Assistant Secretary for Housing and Federal Housing Administration (FHA) Commissioner Brian Montgomery signed a one year waiver stating that all agencies participating in HUD’s Housing Counseling Program may provide housing counseling in the office of the housing counseling agency, at an alternate location, or by telephone, as long as mutually acceptable to the housing counselor and client.
In response to the challenges housing counseling agencies are facing as a result of the COVID-19 National Emergency, HUD's Office of Housing Counseling (OHC) implemented an automatic extension of the performance period for all fiscal year (FY) 2019 Comprehensive Housing Counseling (CHC) grants to the maximum allowable timeframe. Agencies operating under the FY 2019 CHC grant requirements are not required to submit requests to obtain the extension. This extension supersedes all extensions for the FY 2019 grants previously approved by OHC. The new period of performance end date will be March 31, 2021.
In response to COVID-19 National Emergency, OHC has extended the FY 2020 Quarter 2 Form HUD-9902 submission deadline from April 30, 2020 to June 30, 2020. At this time, there are no changes to the FY 2020 Quarters 3 and 4 reporting deadlines.
The following COVID-19 resources have been released by HUD and other federal agencies and cover consumer protection information, HUD guidance, and other options that may be helpful for housing counselors to understand and share with their clients.
Due to the COVID-19 national emergency, as well as other disasters and emergencies, scams and frauds are surfacing that target individuals in vulnerable situations. This guide will assist housing counselors in helping their clients cautiously navigate suspicious circumstances.
Find HUD and FHA resources and guidance related to COVID-19 for program participants across HUD programs, as well as homeowners and renters.
View COVID-19 guidance from FHA, including:
This partial waiver of 24 CFR §203.604 Servicing Responsibilities is to limit face-to-face contact due to public health concerns around the spread of coronavirus (COVID-19). Please note that this guidance is relevant to loan servicing and is not an Office of Housing Counseling (OHC) requirement.
This announcement informs lenders of a foreclosure and eviction moratorium for all USDA Single-Family Housing Guaranteed Loan Program (SFHGLP) loans for a period of 60 days, in connection with the Presidentially declared COVID-19 National Emergency.
This statement from HUD’s Office of Fair Housing and Equal Opportunity (FHEO) provides information to housing providers and the public at large about the federal fair housing laws that protect persons from discrimination.
The CFPB, HUD, and the Federal Housing Finance Agency (FHFA) are working together to help homeowners and renters during the coronavirus pandemic. The new Mortgage and Housing Assistance website provides the latest information on how to get help with housing to share with your clients during the coronavirus emergency.
Fannie Mae shares information with those impacted by COVID-19 of available mortgage assistance and relief options.
Freddie Mac staff is working to ensure that its employees, customers, and borrowers are protected from the direct and indirect impacts of coronavirus (COVID-19). Read Freddie Mac's #HelpStartsHere Interactive Guide for Homeowners that provides information and resources on how mortgage servicers can help clients that have experienced job loss, reduced income, illness or other issues related to COVID-19 that impacts their ability to make their monthly mortgage payments; understanding forbearance and if it’s the right option; and avoiding scams such as “foreclosure rescue fraud.”
The FTC is protecting consumers, providing guidance to businesses, and protecting competition in the marketplace throughout the pandemic. Helpful resources include:
This joint statement from the Federal Reserve System, Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency (OCC) encourages financial institutions to work with customers and communities affected by COVID-19, particularly those that are low- and moderate-income. Financial institutions will receive Community Reinvestment Act (CRA) consideration for qualifying community development activities.
The SBA is providing assistance to small businesses through a number of resources, including Coronavirus Funding Options:
The Paycheck Protection Program prioritizes millions of Americans employed by small businesses by authorizing up to $349 billion toward job retention and certain other expenses.
The OCC is working cooperatively with all state and federal banking agencies and other organizations to regulated institutions and their customers in managing the impact of the coronavirus outbreak. Helpful resources include:
This document from the Faith and Opportunity Initiatives Office highlights resources for faith-based and community organizations registered/recognized as 501(c)(3) non-profits from the CARES Act.
This marketing flyer highlights MSHDA’s housing counseling capabilities during COVID-19, including financial assessment and planning; assistance for homeowners, renters, and the homeless; and a list of all services provided. Other agencies may be interested in developing similar flyers summarizing their capabilities in order to conduct outreach during the COVID-19 national emergency.
Virginia Housing is committed to strengthening and sustaining Virginia’s housing services delivery network. In response to the COVID-19 national emergency, Virginia Housing supports the efforts of six critical housing networks: HUD Housing Counseling, Virginia Habitat for Humanity Affiliates, Virginia Housing’s Housing Choice Voucher Network, Virginia Housing’s Accessibility Network, Virginia’s Public Housing and Redevelopment Authorities, and Virginia’s Non-Profit Housing Developers with a lending relationship with Virginia Housing.
On March 13, 2020, President Trump declared a nationwide emergency pursuant to Sec. 501(b) of the Robert T. Stafford Disaster Relief and Emergency Assistance Act, 42 U.S.C. 5121-5207 (the “Stafford Act”). This increases federal support to the Department of Health and Human Services (HHS) in its role as the lead federal agency for the ongoing COVID-19 pandemic response. As a result of the President’s decisive, unprecedented action, FEMA is directed to assist state, local, tribal, territorial governments and other eligible entities with the health and safety actions they take on behalf of the American public.
For a complete list of COVID-19 Disaster Declarations, visit the FEMA COVID-19 Disaster Declarations webpage.
|Seminole Tribe of Florida (DR-4545)||May 8, 2020|
|Wyoming (DR-4535)||April 11, 2020|
|Idaho (DR-4534)||April 9, 2020|
|Alaska (DR-4533)||April 9, 2020|
|Vermont (DR-4532)||April 8, 2020|
|Minnesota (DR-4531)||April 7, 2020|
|Oklahoma (DR-4530)||April 5, 2020|
|New Mexico (DR-4529)||April 5, 2020|
|Mississippi (DR-4528)||April 5, 2020|
|South Dakota (DR-4527)||April 5, 2020|
|Delaware (DR-4526)||April 5, 2020|
|Utah (DR-4525)||April 4, 2020|
|Arizona (DR-4524)||April 4, 2020|
|Nevada (DR-4523)||April 4, 2020|
|Maine (DR-4522)||April 4, 2020|
|Nebraska (DR-4521)||April 4, 2020|
|Wisconsin (DR-4520)||April 4, 2020|
|Arkansas (DR-4518)||April 3, 2020|
|West Virginia (DR-4517)||April 3, 2020|
|New Hampshire (DR-4516)||April 3, 2020|
|Indiana (DR-4515)||April 3, 2020|
|Tennessee (DR-4514)||April 2, 2020|
|Virgin Islands (DR-4513)||April 2, 2020|
|Virginia (DR-4512)||April 2, 2020|
|Northern Mariana (DR-4511)||April 1, 2020|
|Hawaii (DR-4510)||April 1, 2020|
|North Dakota (DR-4509)||April 1, 2020|
|Montana (DR-4508)||March 31, 2020|
|Ohio (DR-4507)||March 31, 2020|
|Pennsylvania (DR-4506)||March 30, 2020|
|Rhode Island (DR-4505)||March 30, 2020|
|Kansas (DR-4504)||March 29, 2020|
|Alabama (DR-4503)||March 29, 2020|
|District of Columbia (DC) (DR-4502)||March 29, 2020|
|Georgia (DR-4501)||March 29, 2020|
|Connecticut (DR-4500)||March 28, 2020|
|Oregon (DR-4499)||March 28, 2020|
|Colorado (DR-4498)||March 28, 2020|
|Kentucky (DR-4497)||March 28, 2020|
|Massachusetts (DR-4496)||March 27, 2020|
|Guam (DR-4495)||March 27, 2020|
|Michigan (DR-4494)||March 27, 2020|
|Puerto Rico (DR-4493)||March 27, 2020|
|South Carolina (DR-4492)||March 27, 2020|
|Maryland (DR-4491)||March 26, 2020|
|Missouri (DR-4490)||March 26, 2020|
|Illinois (DR-4489)||March 26, 2020|
|New Jersey (DR-4488)||March 25, 2020|
|North Carolina (DR-4487)||March 25, 2020|
|Florida (DR-4486)||March 25, 2020|
|Texas (DR-4485)||March 25, 2020|
|Louisiana (DR-4484)||March 24, 2020|
|Iowa (DR-4483)||March 23, 2020|
|California (DR-4482)||March 22, 2020|
|Washington (DR-4481)||March 22, 2020|
|New York (DR-4480)||March 20, 2020|
These FAQs provide guidance for housing counselors on Housing Counseling Program guidance during COVID-19. Topics covered include remote counseling, temporary suspension of activities, eligible costs, and more.