Housing and energy

Housing and energy

Housing and energy

Do you need help paying your mortgage, rent, or home energy bills due to COVID-19?

If you have lost your job or income due to impacts from the Coronavirus pandemic, you may qualify for housing assistance-either reduced or deferred payments, without penalty to your credit rating.

For homeowners and rental property owners: To access this assistance, ask your mortgage company for a forbearance plan due to financial hardship related to Coronavirus. A plan will delay, not eliminate, your mortgage payments. Be sure to discuss details on repayment arrangements, for example, to extend the loan period to make up for skipped payments.

For renters: Contact your landlord to request a rent reduction or deferral due to financial hardship related to Coronavirus. Rental property owners may have flexibility on their mortgage payments, if tenants are unable to pay due to impacts from the Coronavirus. Note that in many states and localities, eviction rights have been suspended to prevent tenants from the loss of their homes during the Coronavirus outbreak.

More resources for mortgage help

More resources for rental assistance

Help with energy bills

You might qualify for assistance from the Low Income Home Energy Assistance Program (LIHEAP), a federally funded program that helps low-income households with their home energy bills. Each state operates their own LIHEAP program with their own eligibility guidelines. Find details about your State LIHEAP Program.

For information on where you can apply for LIHEAP, contact the National Energy Assistance Referral project by phone or e-mail:

  • Call toll-free at 1-866-674-6327 Monday through Friday, from 7 a.m.- 5 p.m. (Mountain Time)
  • Send an e-mail to: energy@ncat.org