Need Rental Assistance?
Urgent Release: The U.S. Department of Housing and Urban development just released a rental assistance call to action. To view the resources, scroll to the bottom of this page and click on the View Resources button.
News Release – September 24, 2021:
Washington, D.C. — Today, the Federal Housing Finance Agency (FHFA) announced that Fannie Mae and Freddie Mac (the Enterprises) will continue to offer COVID-19 forbearance to qualifying multifamily property owners as needed, subject to the continued tenant protections FHFA has imposed during the pandemic. This is the fourth extension of the programs, which were set to expire September 30, 2021. On October 1, 2021, FHFA will allow the Enterprises to continue offering COVID-19 forbearance to qualified multifamily owners, unless otherwise instructed by FHFA.
This 7th COVID-19 Update: Status of Foreclosure Moratorium for Federally Backed Single-Family Mortgages, Right to Request Forbearance and Brief Overview of CFPB RESPA 2021 COVID-19 Mortgage Servicing Rule provides information regarding:
- The July 31, 2021 expiration of the foreclosure moratorium for federally backed single-family mortgage loans
- Extension of eviction moratorium to Oct. 1, 2021 regarding single-family REO properties owned by FHA, VA, USDA, Fannie Mae and Freddie Mac
- Deadline to request COVID forbearance for federally backed loans
- Maximum forbearance periods for federally backed loans
- COVID-19 Loss Mitigation Options for Federally Backed Loans
- Brief overview of the temporary CFPB 2021 COVID-19 Mortgage Servicing Rule
- Additional resources for all loans
St. Joseph County’s Emergency Rental Assistance Program
St. Joseph County’s Emergency Rental Assistance (ERA) is designed to decrease evictions, increase housing stability, and prevent homelessness by helping tenants whose income has been negatively impacted by COVID-19 with rent and utility payments.
ERA can provide eligible tenants with up to twelve (12) months of rental assistance. Utility assistance may also be provided to qualifying applicants for past due utilities (electric, gas, water, sewer, and trash) and home energy (fuel oil, wood, coal, pellets, and propane) expenses.
The state’s Rental Assistance Portal opened this week to begin accepting applications for the Indiana Emergency Rental Assistance (IERA) program. A link to apply along with a series of informational documents in English and Spanish can be found on the top banner of www.indianahousingnow.org.
View the information shown below in PDF format:
The IERA program is designed to decrease evictions, increase housing stability, and prevent homelessness by helping renters whose income has been negatively impacted by COVID-19 with rent and utility assistance. IERA can provide eligible renter households with up to 12 months of rental assistance.
Qualifying applicants may also receive utility assistance for past due utilities (electric, gas, water, sewer, and trash), home energy (fuel oil, wood, coal, pellets, and propane) expenses, and assistance with past due expenses for internet/broadband.
Renters living in Elkhart, Hamilton, Lake, Marion, and St. Joseph counties, along with the City of Fort Wayne are not eligible to apply for the IERA program. These municipalities have their own programs. Referral information can be found below:
None of these local programs are accepting applications yet. However, each municipality has informed us they plan to do so later this month. Renters living in these areas should visit their respective website for additional information and updates as they become available.
In addition to rental assistance, other COVID-19 resources remain available for Indiana households:
- Mortgage Assistance – Indiana homeowners who have fallen behind on their mortgage payments can apply for mortgage assistance through the Indiana Foreclosure Prevention Network (IFPN): 877gethope.org
- Utility Assistance – The Low-Income Home Energy Assistance Program (LIHEAP) helps Hoosier homeowners and renters pay their heat and electric bills: eap.ihcda.in.gov
- Coronavirus Eviction & Foreclosure Prevention Guide – This guide provides questions to frequently asked questions and resources for Indiana households financially impacted by COVID-19 to help them avoid eviction or foreclosure: https://www.in.gov/ihcda/4464.htm
- COVID-19 Eviction Information Sheet – https://www.in.gov/courts/files/lttf-b-chart.pdf
Fair Housing Resources
30 Fair Housing Tips and Facts
Click the tips to learn more!
- What is the SBHRC?
- What happens when you file a charge? View the life of a housing charge here
- Stay up to date on training!
- What is the Fair Housing Act?
- Prohibited Housing Activities pt. 1
- Prohibited Housing Activities pt. 2
- Prohibited Housing Activities pt. 3
- Prohibited Housing Activities pt. 4
- Who is exempt from the Fair Housing Act?
- Did you know there are two new protected classes covered under the Fair Housing Act?
- Race and Housing
- Sex and Housing
- Religion and Housing
- National Origin and Housing
- Disability and Housing
- Familial Status and Housing
- Sexual Orientation/Gender Identity and Housing
- Know your local fair housing agencies!
- Are you dealing with eviction? Know who to talk to!
- Are you experiencing discrimination or landlord/tenant issues?
- When should you contact Code Enforcement?
- Who to contact when you are having issues with Section 8 or Public Housing?
- Having trouble paying rent because of COVID? Learn about rental assistance
- Who do you contact when you have issues outside the Commission’s geographical jurisdiction?
- Watch out for discriminatory advertising!
- Where you a victim of one of these common housing violations?
- What is a Reasonable Accommodation?
- What is a Reasonable Modification?
- Fair Housing Tips to Remember
- Still have questions? Call the Commission today!
- American Civil Liberties Union – Indiana
- Chicago HUD Office
- Indiana Legal Services
- Indiana Protection & Advocacy Services – IPAS
- Indianapolis HUD Office
- US Civil Rights Commission
- US Department of Housing and Urban Development
- Volunteer Lawyer Network
- Indiana Consumer Complaint – Indiana Professional Licensing Agency