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housing and homeless resources
housing and homeless resources
Federal Mortgage Foreclosure Moratoriums and Suspensions
- Federal Housing Finance Agency (FHFA) announced on March 18, 2020 that they have directed Fannie Mae and Freddie Mac to suspend foreclosure and evictions for at least 60 days due to the coronavirus national emergency. This applies to any loans sold to Fannie Mae or Freddie Mac. More information can be found on the Federal Housing Finance Agency website.
- U.S. Department of Housing and Urban Development issued a Mortgagee Letter (2020-04) informing mortgagees of a foreclosure and eviction moratorium for all FHA insured Single Family mortgages for a period of 60 days. This moratorium is effective March 18, 2020. Learn more here.
- Rural Development (RD) issued relief options through extended forbearance alternatives to borrowers impacted as a result of COVID-19. Foreclosures have been suspended until April 30, 2020. The foreclosure suspension applies to the initiation of new foreclosure actions and to foreclosure actions already in process.
State of Michigan Programs
MSHDA Mortgage Foreclosure Postponement
MSHDA has delayed initiation of foreclosure proceedings for 90 days, including postponing sheriff sale dates and waiving late charge feed in order to protect mortgagors from removal from their homes while dealing with hardships stemming from the coronavirus.
Capital Area Housing Partnership (CAHP) will suspend late fees and eviction notices in mid- Michigan for the next three weeks. Call 517-332-4663 9 a.m. to 5 p.m. weekdays.
Wayne County Property Tax Exemption
The deadline for filing Wayne County Property Tax Exemption applications has been extended to May 13th (from March 28th). Visit the website for more information about Wayne County Tax Exemption Programs.
36th District Court has issued a moratorium on evictions for Detroit residents.
Governor Whitmer Signs Executive Order Temporarily Suspending Evictions
Governor Gretchen Whitmer has signed Executive Order 2020-19, which allows tenants and mobile home owners to remain in their homes during the COVID-19 pandemic even if they are unable to stay current on their rent. The order also relieves courts from certain statutory restrictions to enable them to stay eviction-related proceedings until after the COVID-19 emergency has passed. The executive order will remain in effect until April 17 at 11:59 p.m.
SERVICES FOR THE HOMELESS
Detroit Rescue Mission Ministries, in conjunction with the City of Detroit Health Department, will offer Coronavirus symptom checks for the homeless at their facilities. Homeless clients who exhibit the symptoms can be quarantined at a ministry location until they can be tested for the virus.
The Michigan State Housing Development Authority has pulled together additional resources for homeless and special housing needs. Learn more on the MSHDA website.