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Mortgage Relief Programs - Federally Backed Mortgages

A new federal law, the Coronavirus Aid, Relief, and Economic Security (CARES) Act, provides protections for homeowners with federally backed mortgages who are experiencing a financial hardship due to the COVID-19 emergency. To learn more, visit The Consumer Financial Protection Bureau.

Mortgage Relief Programs for Homewoners

This relief program is for residents who are struggling to pay their mortgage and bills. The list of participating financial institutions have committed to providing relief for consumers and homeowners in California. It includes a 90-day grace period for all mortgage payments, relief from fees and charges for 90 days, no new foreclosures for 60 days, and no credit score changes for accessing relief.

If you have concerns about your mortgage, contact your creditors/servicers immediately and find out about any relief options or payment deferral programs.

If your mortgage servicer is not communicative or cooperative, you can file a complaint with the Department of Business Oversight through the complaint form on the DBO website at https://dbo.ca.gov/file-a-complaint/ or by contacting the DBO Consumer Services Office at (866) 275-2677, (916) 327-7585, or via email at Ask.DBO@dbo.ca.gov.


Emergency Eviction Moratorium on Residential and Commercial Evictions

On March 25, 2020, the City of Livermore City Manager, acting as the Director of Emergency Services, signed an Order establising temporary moratorium on residential and commercial evictions resulting from loss of income, increased medical expenses, or childcare needs related to COVID-19. To qualify, the loss of income and medical expenses must be documented in writing. During the term of the order, a landlord is also prohibited from retaliating against a tenant that qualifies for the protections under this order. Nothing in the Order relieves the tenant of liability for the unpaid rent, which the landlord may seek after the expiration of the Order of any subsequently enacted Ordinance.

The full order went into effect immediately and will remain in effect through May 31, 2020, unless superseded by another order. They City of Livermore's local emergency declaration, which was confirmed by the City Council on March 16, 2020, empowered the Director of Emergency Services to make and issue orders regulations on matters related to the protection of life and property as affected by the local COVID-19 emergency.


Legal Assistance for Seniors

During the COVID-19 shelter-in-place, Legal Assistance for Seniors (LAS) will now be providing over the phone legal consultations at no cost to tenants 60 years and older who are experiencing housing issues and/or have received a notice from their Landlord. To book a phone appointment, call (510) 832-3040.


Housing & COVID-19 Impact Resources

ECHO Housing's COVID-19 Resource page provides important local updates as it relates to housing.


Understanding Tenant Rights

California's Tenant Protection Act of 2019 (AB 1482), provides limits on rent increases, evictions for cause, and protections for tenants holding Section 8 vouchers. Learn more about the Tenant Protection Act and view answers to frequently asked questions or call ECHO Housing at 855-ASK-ECHO.

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