The systematic issues within our housing industry have only been magnified during the pandemic. That said, there are promising responses from the government to address the issues faced by homeowners and renters during these unprecedented times.
For those affected by COVID-19, the federal government has issued orders for mortgage lenders to work with homeowners. To find out who owns your mortgage, visit this page. The California Department of Business Oversight has a contact list of financial institutions homeowners may reference for contact information. If you do not live in California, your mortgage statement is the best place to locate appropriate contact information.
In California, there is a statewide moratorium on residential evictions for renters who cannot pay their rent because of COVID-19 related economic hardships. The moratorium went into effect on March 27 and is valid through May 31, 2020.
If you’re a renter living in San Francisco and have already received a summons to vacate, contact Eviction Defense Collaborative at (415) 470-5211 or visit their page for information, including legal help. If you live in San Francisco or Oakland and have not received a summons, contact Causa Justa at (415) 487-9203 (SF Clinic) or (510) 836-2687 (Oakland Clinic) or visit their page. Additional tenant resources are available through the Housing Rights Committee of San Francisco and KQED also has a helpful guide to navigate eviction moratoriums. Berkeley's Housing Retention Program provides grant assistance to Berkeley, CA residents at risk of eviction.
To locate housing assistance in your state, visit Just Shelters’ community resource page. View the flyers below this article if you are a San Francisco resident at risk of becoming homeless.
If you are having challenges paying your rent or expect to not be able to make rent, talk to your landlord immediately:
- Explain your financial situation to your landlord and relay how much you are able to pay.
- Follow-up any verbal conversations in writing with a letter and keep a copy for your records. Visit Legal Link's resource page to access a sample letter to send to your landlord.
- Save all financial documents, including:
- Termination notices or statements from employer,
- Paystubs and bank statements,
- Medical bills and medical records.
- Pay as much of your rent as you can.
Contact us if you need advice with determining a course of action based on your circumstances.