March Volunteer Opportunities

Covid- 19 Housing Information for Charlotte, NC Residents

QUICK FACTS

UPDATED APRIL 3rd 

  • There is a moratorium on eviction filings in NC Courts until April 17th. No new evictions or foreclosures can be filed during this time, and the Mecklenburg County Sheriff’s Department is not serving eviction notices until April 17th.

  • The Corona Relief Bill places a moratorium on all federally backed mortgages, including those covered by HUD, the VA, USDA, FHA, Fannie Mae, and Freddie Mac for 60 days beginning on March 18. Under the bill, a borrower with a federally backed mortgage experiencing financial hardship due to COVD-19 can request forbearance for up to 180 days and can be extended for another 180 days at the borrower’s request.

  • Many mortgage lenders will waive late fees if you cannot pay your mortgage on time, consider a hardship application or possible modification if there has been a loss of income. If you’ve suffered any loss of income contact your mortgage lender right away.

  • The Corona Relief Bill provides a 120-day moratorium on evictions for renters who live in an apartment building or home that receives federal funding from HUD or any property with any sort of federally backed mortgage (FHA, VA, FHFA). Anyone who rents from a landlord that receives HUD funding cannot be evicted for nonpayment of rent for 120 days under the Relief Bill starting March 27th.. This includes renters that live in section 8 housing, receive section 8 vouchers, and apartments that receive funding from the Low-Income Housing Tax Credit Program. For more information check here.

COURTS – FORECLOSURES AND EVICTIONS

  • NC Courts have temporarily suspended residential foreclosures and court-ordered auctions for 30 days (April 17th), Pending further notice unless:
  • the proceeding will be conducted remotely; 
  • the proceeding is necessary to preserve the right to due process of law
  • the proceeding is for the purpose of obtaining emergency; or 
  • the senior resident superior court judge, chief business court judge, or chief district court judge determines that the proceeding can be conducted under conditions that protect the health and safety of all participants.

FHA MORTGAGE LOANS

  • Properties secured by FHA-insured Single Family mortgages are subject to a 60 day moratorium on foreclosure. This applies to the initiation of foreclosures and to the completion of foreclosures in process.
  • Evictions of persons from properties secured by FHA-insured Single Family mortgages are also suspended for 60 days.

FHFA LOANS

  • All Fannie Mae and Freddie Mac owned mortgages have a 60-day foreclosure and eviction moratorium.
  • Fannie and Freddie will provide payment forbearance to borrowers impacted by the coronavirus. This allows for a mortgage payment to be suspended for up to 12 months.
  • You can check whether your loan is backed by Fannie Mae or Freddie Mac by using the agencies’ loan look up tools and can confirm whether your loan is FHA-insured by reviewing your loan documents and mortgage statements.

UTILITIES AND TAXES

  • If you have arrears on your gas, electric and water, contact your utility company. They are currently suspending shut-offs related to collections.
  • Energy assistance assistance available from Mecklenburg County Low Income Energy Assistance Program, the deadline is March 31, 2020.
  • If you are a senior, veteran or person living with a disability and with limited income, apply for a property tax exemption to lower your property tax payments.

Charlotte Water, Duke   Energy, Piedmont Natural Gas, Dominion Energy, and Energy United will suspend disconnections of service during the COVID-19 Pandemic

CHARLOTTE HOUSING HOTLINE

If you have specific questions about your juror service, a case already in court, or you need to start a court case, call the Charlotte Housing Telephone Hotline: 833-503-0447.

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 4938 Central Ave. Suite 101 Charlotte, NC 28205

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