{"id":13937,"date":"2020-04-30T15:16:21","date_gmt":"2020-04-30T21:16:21","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=13937"},"modified":"2022-05-23T21:18:48","modified_gmt":"2022-05-24T03:18:48","slug":"coronavirus-foreclosure-moratorium","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/life-events\/coronavirus-foreclosure-moratorium.html","title":{"rendered":"The CARES Act Foreclosure Moratorium: How to Benefit"},"content":{"rendered":"\n<figure class=\"wp-block-image\"><img decoding=\"async\" width=\"1500\" height=\"500\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/04\/married-couple-going-over-mortgage.jpg\" alt=\"Married couple reviewing mortgage\" class=\"wp-image-13938\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/04\/married-couple-going-over-mortgage.jpg 1500w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/04\/married-couple-going-over-mortgage-1100x367.jpg 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/04\/married-couple-going-over-mortgage-768x256.jpg 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<div class=\"quick-answer\">\n<h2>The CARES Act Foreclosure Moratorium benefits homeowners because all in-progress foreclosure proceedings must be paused and no new foreclosure proceedings can be initiated on federally backed mortgages.<\/h2>\n<\/div>\n\n\n\n<p>When the federal government passed the <a href=\"https:\/\/www.lexingtonlaw.com\/credit\/CARES-Act\">Coronavirus Aid, Relief and Economic Security (CARES) Act<\/a>, it included a number of provisions designed to help ease the financial burdens of those affected by the pandemic. In particular, the CARES Act includes a nationwide moratorium on foreclosures for all federally backed mortgages.<\/p>\n\n\n\n<p>The moratorium is in effect as of <a href=\"https:\/\/www.consumerfinance.gov\/about-us\/blog\/guide-coronavirus-mortgage-relief-options\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">March 18, 2020<\/a>, and is in place until May 18, 2020. During this time, all in-progress foreclosure proceedings must be paused and no new foreclosure proceedings can be initiated on federally backed mortgages.<\/p>\n\n\n\n<p>The provision is designed to prevent individuals and families from losing housing during the health crisis, which would present a threat to not only those evicted but also the surrounding communities.&nbsp;<\/p>\n\n\n\n<p>Many homeowners have questions about how the moratorium works and how it can benefit them.&nbsp;Find the answers to some of those questions here.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-is-protected-by-the-moratorium\">Who Is Protected by the Moratorium?<\/h2>\n\n\n\n<p>The foreclosure moratorium only applies to federally backed mortgages. You are protected by the moratorium if your mortgage is owned or backed by any of the following entities:<\/p>\n\n\n\n<ul><li><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.hud.gov\/sites\/dfiles\/OCHCO\/documents\/20-04hsgml.pdf\" target=\"_blank\">U.S. Department of Housing and Urban Development (HUD)<\/a><\/li><li><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.usda.gov\/\" target=\"_blank\">U.S. Department of Agriculture (USDA)<\/a><\/li><li><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.hud.gov\/sites\/dfiles\/OCHCO\/documents\/20-04hsgml.pdf\" target=\"_blank\">Federal Housing Administration (FHA)<\/a><\/li><li><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.benefits.va.gov\/HOMELOANS\/documents\/circulars\/26_20_8.pdf\" target=\"_blank\">U.S. Department of Veterans Affairs (VA)<\/a><\/li><li><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.knowyouroptions.com\/loanlookup\" target=\"_blank\">Fannie Mae<\/a><\/li><li><a href=\"https:\/\/ww3.freddiemac.com\/loanlookup\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Freddie Mac<\/a><\/li><\/ul>\n\n\n\n<p>Additionally, the moratorium only applies to residential mortgages, so small businesses or other nonresidential borrowers don\u2019t qualify.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" width=\"1500\" height=\"800\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/04\/how-to-avoid-foreclosure.png\" alt=\"Graphic: How to Avoid Foreclosure\" class=\"wp-image-13940\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/04\/how-to-avoid-foreclosure.png 1500w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/04\/how-to-avoid-foreclosure-1100x587.png 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/04\/how-to-avoid-foreclosure-768x410.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-use-the-moratorium-to-prevent-foreclosure\">How to Use the Moratorium to Prevent Foreclosure<\/h2>\n\n\n\n<p>The foreclosure moratorium is more than just a brief pause in an inevitable foreclosure process. If your home was in the process of foreclosure, there are several things you can do during the moratorium period to prevent it from being foreclosed on:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-contact-your-loan-servicer\">1. Contact your loan servicer.<\/h3>\n\n\n\n<p>Even though the foreclosure moratorium is automatic\u2014meaning, you don\u2019t need to specifically request a moratorium to benefit\u2014you should still contact your mortgage provider to explain your situation and ask what accommodations may be available.<\/p>\n\n\n\n<p>The foreclosure moratorium is designed to resemble a similar clause in the FHA\u2019s disaster relief protocols, which instruct lenders to use <a href=\"https:\/\/www.hud.gov\/program_offices\/housing\/sfh\/nsc\/qaho0121\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">reasonable judgment<\/a> in evaluating how best to help borrowers cope with a widespread threat like COVID-19.<\/p>\n\n\n\n<p>To help your lender make this evaluation, you should be prepared to provide details on the nature of your financial hardship, supported by documentation.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-inquire-about-forbearance\">2. Inquire about forbearance.<\/h3>\n\n\n\n<p>In some cases, lenders can help borrowers in danger of foreclosure enter into a forbearance plan instead. The CARES Act <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/loans\/coronavirus-mortgage-relief-options.html\">includes a requirement<\/a> that allows all federal mortgage borrowers to place their mortgage into forbearance for 180 days, with an option to extend by another 180 days if necessary. (You must explicitly request forbearance to benefit from this.)<\/p>\n\n\n\n<p>If you\u2019re able to place your mortgage in forbearance, you\u2019ll be able to remain in your home while pausing your loan for several months. During this time, you can take steps to improve your financial situation, stay current on other credit accounts, find or resume employment and make other arrangements necessary to put yourself in a position to go back to paying your mortgage as scheduled.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-inquire-about-a-loan-modification-or-partial-claim\">3. Inquire about a loan modification or partial claim.<\/h3>\n\n\n\n<p>Though not included in the CARES Act, there are several other mortgage relief options, like loan modifications or partial claims, that may be available to you depending on your lender\u2019s particular policies.<\/p>\n\n\n\n<p>A <a href=\"https:\/\/www.investopedia.com\/terms\/l\/loan_modification.asp\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">loan modification<\/a> is a permanent change to the original terms of a mortgage that makes the loan more affordable by lowering monthly payments. Typically, this adjustment is balanced with an extension of the length of the loan.<\/p>\n\n\n\n<p>Another option is a <a href=\"https:\/\/www.nolo.com\/legal-encyclopedia\/help-homeowners-fha-loans.html\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">partial claim<\/a>, which is a special no-interest loan from the Department of Housing and Urban Development (HUD) that helps borrowers catch up on their original mortgage. The partial claim doesn\u2019t need to be repaid until after the original mortgage has been paid.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-two-alternatives-to-foreclosure-after-the-moratorium\">Two Alternatives to Foreclosure After the Moratorium<\/h2>\n\n\n\n<p>If you\u2019re unable to use the moratorium period to save your home, there are alternatives to foreclosure that allow you to exit your agreement without permanently damaging your credit. These options still involve you losing your home, but they allow you to avoid drawn-out and often costly foreclosure proceedings.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" width=\"1500\" height=\"880\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/04\/alternatives-to-foreclosure.png\" alt=\"Graphic: Alternatives to Foreclosure\" class=\"wp-image-13941\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/04\/alternatives-to-foreclosure.png 1500w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/04\/alternatives-to-foreclosure-1100x645.png 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/04\/alternatives-to-foreclosure-768x451.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p>During the moratorium period, take a hard look at your financial situation and decide whether or not you\u2019re able to use one of the mortgage relief options available to you to remain in your home. If not, contact your lender proactively to agree on the best way to exit your mortgage agreement with minimal damage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-deed-in-lieu-of-foreclosure\">1. Deed in Lieu of Foreclosure<\/h3>\n\n\n\n<p>If you contact your lender, you may be able to negotiate a deed in lieu of foreclosure. This agreement allows you to voluntarily deed your property to the mortgagee in order to be released from the agreement and avoid engaging in foreclosure proceedings.<\/p>\n\n\n\n<p>Deed in lieu of foreclosure has several benefits. Foreclosure itself can be a costly process, so voluntarily surrendering your home can actually save you some money. Additionally, this option allows you to keep the process relatively private in order to avoid some of the embarrassment of a public foreclosure announcement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-pre-foreclosure-or-short-sale\">2. Pre-Foreclosure or Short Sale<\/h3>\n\n\n\n<p>Another option you may have is a short sale or pre-foreclosure sale, in which you will list your home at a price below what you owe on your mortgage. This allows you to reduce what you owe the bank to a more manageable debt amount, and lets you avoid the costly and public foreclosure process.<\/p>\n\n\n\n<p>All of the options above require advance approval from your lender, so regardless of what path you plan to take, your first step is to contact your loan servicer as soon as possible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-the-eviction-moratorium-apply-to-renters\">How Does the Eviction Moratorium Apply to Renters?<\/h2>\n\n\n\n<p>Not all of the CARES Act\u2019s homeowner protections apply to renters. For instance, homeowners can place federally backed mortgages in forbearance, but there\u2019s no federal legislation allowing renters a similar ability to pause their monthly housing payments.<\/p>\n\n\n\n<p>When it comes to the moratorium, though, qualified renters are protected from eviction during the moratorium. The bill also prevents landlords from evicting tenants after the moratorium without first giving <a href=\"https:\/\/www.bakerlaw.com\/alerts\/covid-19-eviction-moratoria-new-rules-affecting-landlords-and-tenants\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">30 days\u2019 notice<\/a>. Notice of eviction can\u2019t be given until after the moratorium ends.<\/p>\n\n\n\n<p>The eviction moratorium only applies to certain renters living in \u201ccovered properties,\u201d which are:<\/p>\n\n\n\n<ul><li>properties with federally backed mortgage loans<\/li><li>properties with federally backed multifamily mortgage loans<\/li><li>properties participating in a \u201ccovered housing program\u201d as defined by the Violence Against Women Act<\/li><li>properties participating in the \u201crural housing voucher program under section 542 of the Housing Act of 1949\u201d<\/li><\/ul>\n\n\n\n<p>The National Housing Law Project published a <a href=\"https:\/\/www.nhlp.org\/wp-content\/uploads\/2020.03.27-NHLP-CARES-Act-Eviction-Moratorium-Summary.pdf\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">detailed list<\/a> of properties that are covered under the conditions listed above.<\/p>\n\n\n\n<p>Cases where renters are <em>not<\/em> protected include:<\/p>\n\n\n\n<ul><li>evictions that were filed before the moratorium took effect<\/li><li>evictions based on reasons other than an inability to pay rent or other charges<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" width=\"1500\" height=\"800\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/04\/other-housing-relief-resources.png\" alt=\"Graphic: Other Housing Relief\" class=\"wp-image-13939\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/04\/other-housing-relief-resources.png 1500w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/04\/other-housing-relief-resources-1100x587.png 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/04\/other-housing-relief-resources-768x410.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-to-do-if-you-re-not-qualified-for-protection-but-still-need-help\">What to Do If You\u2019re Not Qualified for Protection but Still Need Help<\/h2>\n\n\n\n<p>By virtue of how the moratorium qualifications are structured, there will be many people who are not covered by its protections but are still in danger of eviction. In this situation, there are a number of other options to pursue.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-state-and-local-protections\">1. State and Local Protections<\/h3>\n\n\n\n<p>Though nonfederal mortgages and renters in non-covered properties are not protected by the federal CARES Act, many states and localities have instituted their own protections that go further than those in the federal law. For instance, <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/ny.curbed.com\/2020\/3\/26\/21192343\/coronavirus-new-york-eviction-moratorium-covid-19\" target=\"_blank\">New York City<\/a> and <a href=\"https:\/\/www.gov.ca.gov\/2020\/03\/27\/governor-newsom-takes-executive-action-to-establish-a-statewide-moratorium-on-evictions\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Los Angeles<\/a> have placed a complete moratorium on evictions, regardless of the property or whether it\u2019s backed by a mortgage of any kind.<\/p>\n\n\n\n<p>Many states also have pending or passed laws instituting partial or full moratoriums on evictions. Consult the National Conference of State Legislatures for an <a href=\"https:\/\/www.ncsl.org\/research\/health\/state-action-on-coronavirus-covid-19.aspx\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">up-to-date record<\/a> of state policies.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-individual-lender-flexibility\">2. Individual Lender Flexibility<\/h3>\n\n\n\n<p>Just because the CARES Act doesn\u2019t require your lender to extend housing relief doesn\u2019t mean they won\u2019t do so if you ask. If you\u2019re concerned about your ability to make your mortgage or rent payment, contact your loan servicer or landlord proactively to explain your situation, detail how long you expect your financial hardship to last and make a specific request for help. Even small-property landlords may be willing to pause rent payments for a finite period of time if you explain your circumstances.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-other-cares-act-protections\">3. Other CARES Act Protections<\/h3>\n\n\n\n<p>Even if your rent or mortgage isn\u2019t flexible during the pandemic, you may be able to take advantage of other provisions in the CARES Act to lessen your overall financial burden. For instance, you may be able to <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.lexingtonlaw.com\/blog\/loans\/does-a-student-loan-deferment-or-forbearance-impact-your-credit.html\">defer your federally backed student loan<\/a> or <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.forbes.com\/advisor\/retirement\/cares-act-retirement-account-rules-covid-19\/\" target=\"_blank\">borrow against<\/a> your retirement account to cover your monthly expenses temporarily. If you&#8217;re unemployed, you may qualify for <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/life-events\/pandemic-unemployment-assistance.html\">Pandemic Unemployment Assistance<\/a>.<\/p>\n\n\n\n<p>Regardless of whether you pursue national, state or local protections for your financial situation, it\u2019s important to make sure you\u2019re researching your options thoroughly and avoiding scams that have sprung up since the coronavirus outbreak.&nbsp;<\/p>\n\n\n\n<p>With the right research, you can avoid or minimize the financial damage caused by the coronavirus crisis and set yourself up to recover from your hardships quickly.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you&#8217;re struggling with your mortgage, the CARES Act moratorium may benefit you. Here&#8217;s how.<\/p>\n","protected":false},"author":63,"featured_media":13938,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[527],"tags":[572,570,569,571],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The CARES Act Foreclosure Moratorium: How to Benefit - Lexington Law<\/title>\n<meta name=\"description\" content=\"The CARES Act includes a moratorium on foreclosures due to coronavirus. 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