Housing Stability

Headline:

HUD’s Find Shelter tool provides information about housing, shelter, health care, and clothing resources in communities across the country.

Last-reviewed: 9am, Sept. 22, 2022

Key Resources:

The Basics

  • State and local resources may be available to renters facing eviction.
  • HUD-certified housing counselors offer free housing help by phone (1-800-569-4287). People can also find HUD-approved housing counselors throughout the country here.
  • HUD provides COVID-19 resources for renters as well as for homeowners facing housing instability.
  • The Consumer Finance Protection Bureau (CFPB) provides online resources for homeowners and renters.
  • HUD’s Find Shelter tool provides information about housing, shelter, health care, and clothing resources in communities across the country.

The Breakdown

  • Some homeowners may be eligible for COVID-19 mortgage relief (forbearance). Find out more on HUD’s website of COVID-19 Resources for Homeowners.
  • As of August 26, 2021, the federal eviction moratorium ended due to a decision by the US Supreme Court.
  • A spring 2022 survey by the National Housing Law Project found that evictions in HUD-assisted housing are returning to pre-pandemic levels or higher and that tenants with housing vouchers fared worse than tenants in public housing. Read more about the survey’s findings here.
  • A HUD rule requires that tenants living in a HUD-subsidized property receive a 30-day notice for non-payment of rent. The rule also requires that landlords provide tenants with information about available federal emergency rental assistance.
  • The Federal Housing Administration (FHA), announced that Fannie Mae and Freddie Mac will suspend the foreclosure process if they are notified that the homeowner applied for assistance through the Homeowner Assistance Fund (HAF).
  • Fannie Mae and Freddie Mac continue to offer COVID-19 forbearance to qualified multifamily owners.
  • A VA rule allows homeowners to continue paying their regular monthly payments, deferring forborne payments to the end of the mortgage term. More information can be found here.
  • Housing discrimination – including eviction or refusal to rent – because of national origin, race, color, sex (including gender identity and sexual orientation), religion, familial status, disability or the perception that one has a disability, is illegal. If you experience discrimination in housing based on one of these protected categories, you can file a complaint with HUD telephonically or electronically.
  • On June 22, 2022, HUD released a $365 million package of resources to help address unsheltered homelessness. Read more here
  • HUD’s Find Shelter tool provides information about housing, shelter, health care, and clothing resources in communities across the country. The website also has printable posters, note cards, and palm cards with QR codes to scan for more information.

The Bottom Line

  • Federal financial assistance is available to eligible families and individuals through their local housing agencies. See the MA housing section for MA-specific resources.