This content was created in part thanks to a grant from Wells Fargo.

There are few feelings worse than not being able to pay your mortgage or rent when it comes due. If you are struggling to keep up with your housing payments, there are steps you can take to protect yourself from eviction.

What 995Hope can do to help.

995 HOPE offers free homeowner and renter counseling, and education to support people in addressing their housing concerns. Our professional, caring counselors will work with you to assess your situation, explain the options or solutions available, and help you create a detailed action plan. They can also provide referrals to local, statewide, and national resources. It’s confidential and no pressure.

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Resources for Homeowners

CFPB Resources

Visit the Consumer Financial Protection Bureau for many useful resources that help educate and protect Homeowners and Renters.

Mortgage Terminology Glossary

We’ve assembled this Mortgage Terminology Glossary filled with many relevant terms and definitions for Homeowners and Renters.

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Resources for Renters

Having trouble paying your rent?  Here’s a six-step guide you can follow.

There are many unexpected circumstances, including lost or reduced monthly income, which cause unanticipated changes in our ability to keep up with rent.  Depending on the severity of the situation, it’s best to get a handle on the steps to take when prioritizing monthly rent against other bills.

This guide offers six steps to take for those experiencing financial hardships related to rental payments, including:

  • What steps to take first when anticipating changes in your ability to make rental payments
  • Tips to apply for help and assistance
  • A description of options renters can take in the face of financial hardship
  • A plan for action

Landlords and Utilities

What landlords are doing to help

Most landlords have their own policies on help and assistance during this time. Check your landlord’s website for the most up to date information and how to reach out for assistance. You can also check Eviction Lab’s website for the latest eviction policy changes or Just Shelter where you can search over 600 organizations across the U.S. working to prevent eviction and reduce family homelessness.


Phone and Internet

More than 650 companies have signed the Keep America Connected Pledge.

Companies who sign pledge:

  • Not terminate service to any residential or small business customers because of their inability to pay their bills due to the disruptions caused by the coronavirus pandemic.
  • To waive any late fees that any residential or small business customers incur because of their economic circumstances related to the coronavirus pandemic.
  • To open its Wi-Fi hotspots to any American who needs them.

You can check the Federal Communications Commission’s website for a list of companies and associations who have signed the pledge.


Other Utilities

Many states have suspended utility shut offs and have made assistance available for people. You can check your state’s announcements and responses here.