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.
UPDATE FOR LANDLORDS AND RENTERS:On June 30, 2020, Governor Lamont extended protections for residential renters affected by COVID-19 under Executive Order 7DDD.
That executive order extends the moratorium on residential evictions to August 25 for all renters who were current with rent payments as of February 29, 2020.
A landlord may file a “Notice to Quit” on August 22, since Connecticut law stipulates that an eviction can proceed three days after a Notice to Quit is served. Notices to Quit for nonpayment of rent must specify the months of past-due rent.
Upon the July 1, 2020 expiration of the eviction moratorium issued under Executive order 7X, state law will allow eviction proceedings to begin against a tenant for nonpayment of rent due on or prior to February 29, 2020.
However, landlords with federally-backed mortgages (which make up approximately 70% of U.S. mortgages) cannot serve a notice to quit for nonpayment of rent until July 25 or commence an eviction proceeding until 30 days after serving a notice to quit.
The court system is establishing its own rules for prioritizing cases in the interest of social distancing and public health.
Executive order 7DDD also extends the opportunity provided under Executive Order 7X for tenants to apply additional security deposit to rent upon request for rent due in April, May, June, July or August 2020.
You can apply the balance of any security deposit worth more than one month’s rent, including any interest that has accrued on your initial deposit.
Together with the provisions of 7DDD, the Governor announced new resources to assist tenants, homeowners, and residential property owners.
Please visit the official guidance for more details.
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.