Homeowners and Renters
MORTGAGE RELIEF FOR RESIDENTS AND BUSINESSES: Governor Ned Lamont has reached an agreement with over 50 credit unions and banks in Connecticut to offer mortgage relief to the state’s residents and businesses who continue to face hardship caused by the global COVID-19 pandemic. For more information, visit the Department of Banking webpage regarding mortgage relief.
RESIDENTIAL RENT PROTECTIONS: Governor Ned Lamont signed Executive Order No. 7X on April 10, which enacts the following series of protections for residential renters during the COVID-19 emergency:
- All landlords are prohibited from issuing a notice to quit or beginning eviction proceedings before July 1, 2020, except for serious nuisance, such as physically harming another tenant or the landlord.
- For rent due in April 2020, landlords must grant tenants an automatic, 60-day grace period for payment, instead of the existing 9-day grace period.
- For rent due in May 2020, landlords must grant a 60-day grace period for payment upon the request of tenants. Under this provision, a tenant must to notify the landlord that they have lost a job, lost hours, or otherwise lost revenue or faced significant increased expenses as a result of the COVID-19 pandemic.
- If a tenant has a paid security deposit of more than one month’s rent, the tenant can apply all or part of that excess to April, May, or June rent. Under this provision, the tenant must notify the landlord that they have lost a job, lost hours, or otherwise lost revenue or faced significant increased expenses as a result of the COVID-19 pandemic.
For more information on the residential rent protections during the COVID-19 pandemic, read this list of Frequently Asked Questions.
The state and federal government have taken a number of steps to help protect homeowners and renters impacted by the COVID-19 outbreak:
Connecticut Judicial Branch - Consistent with the U.S. Department of Housing and Urban Development's recently enacted 60-day moratorium on foreclosures and evictions, the Court is hereby extending its previous Orders cancelling some foreclosure sales with the following Orders:
- ALL foreclosure sales previously scheduled to have occurred in April or May are hereby rescheduled to Saturday, June 6, 2020, with no appointed Committee to begin working on the sale (i.e.place foreclosure signs on properties, etc.) prior to May 1, 2020.
- The judgment in ANY foreclosure action in which the Court set a “law day” to run on any date in April or May is hereby amended with the first law day now set for June 2, 2020.
- There shall be an immediate stay of all issued executions on evictions and ejectments through May 1, 2020.
For updates, go to the Judicial Branch COVID-19 webpage.
Coronavirus and Homelessness Resource Guide - The Connecticut Coalition to End Homelessness (CCEH) is coordinating closely with the Connecticut Department of Housing and other state agencies as part of the state’s emergency management system to assist homeless services providers in the response to COVID-19. CCEH has developed a resource guide to provide useful information to providers of homeless shelters, transitional housing, drop-in centers, and other homeless services to assist with preparation and prevention of spread of COVID-19 in Connecticut.
Department of Banking - The Connecticut Department of Banking has issued guidance to Connecticut Residential Mortgage Servicers related to the impact of COVID-19 on the mortgage industry.
Fair Housing Protections & the COVID -19 Fact Sheet & Updates - In response to the COVID-19 pandemic, the Connecticut Fair Housing Center is working to better understand and address any fair housing impacts of this public health emergency. Resources are available on the Center's website for renters, home owners, housing providers, social service providers, and other community organizations, as we all work to address the pandemic. If you have any questions or concerns about fair housing protection, or believe you have experienced discrimination in housing, please call the Center at (860) 247-4400 or (888) 247-4401 (toll free), or write to us at email@example.com.
Fannie Mae Assistance Options - Mortgage relief options are available for homeowners with loans with Fannie Mae. Information on help for Fannie Mae homeowners who have been affected by COVID-19 is available on the Fannie Mae COVID-19 website.