Many renters have been hit hard by the COVID-19 pandemic. If your ability to pay rent has been impacted by COVID-19, it is important to contact your property manager as soon as possible to discuss your situation.
Rent payments are still due despite any temporary moratorium on eviction filings. This means that if you are unable to pay rent during the moratorium, you will need to work with your landlord to establish a repayment plan for unpaid rent. They may also be able to help you explore the rental assistance options available and often your property manager or owner has a role in the application process.
In addition to working on a payment plan with your landlord, many renters impacted by COVID-19 can get help from federal and state emergency rental assistance programs.
To help navigate the available rental relief options, Freddie Mac has compiled a list of helpful tools and resources.
Here are some tips from HUD for talking with your landlord:
- Be open about your financial situation. Share how your income has been affected by COVID-19 or other difficulties. You shouldn’t be required to provide financial documents as proof.
- Be clear about your needs and keep in mind your landlord may be struggling financially too.
- Mention any resources and options you’ve found that could be helpful.
- Explain how your family would be impacted by a loss of housing, even if temporary.
- Ask for flexible payment arrangements or payment plans.
- Keep a written record of your conversations, including any email and text conversations. Keep track of the date and time you spoke.
If you still have questions about your options after talking to your landlord, call Freddie Mac’s Renter Hotline at 800-404-3097 to speak with someone who will help walk you through the options available.For more information, visit My Home by Freddie Mac®.