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COVID-19 Information for Homeowners and Renters

Homeowners

Evictions are suspended for homeowners with Freddie Mac and Fannie Mae and HUD mortgage loans through September 30, 2021. This is not an extension of the foreclosure moratorium which ends July 31, 2021. So homeowners cannot be evicted, but their lender can initiate foreclosure beginning August 1, 2021. However, if you are having trouble making your MFA mortgage payment, it is important that you contact us right away at 505.843.6882. The sooner you contact us, the more options we have to help you keep your home. More information on foreclosure prevention can be found here.

The New Mexico Homeowner Assistance Fund can help pay your past-due and current mortgage payments if you are experiencing a financial hardship associated with the COVID-19 health crisis. Click here to learn more.

Renters

The State of New Mexico is offering rental and utility assistance to qualified applicants who have been impacted by COVID-19. Click here for more information.

Tenants of multifamily properties with mortgages backed by Fannie Mae or Freddie Mac (the Enterprises) who are subject to eviction for nonpayment of rent must be given 30 days' notice to vacate before the tenant can be required to leave the unit. This requirement applies to all Enterprise-backed multifamily properties, regardless of whether the loan is in forbearance.

If you are having a dispute with your landlord, New Mexico Legal Aid may be able to help. Go to the New Mexico Legal Aid website or call 833.LGL.HELP (833.545.4357) Monday through Thursday, 10 a.m. to 3 p.m.

CDC Eviction Moratorium

The U.S. Centers for Disease and Control (CDC) issued a new order temporarily halting evictions in counties with heightened levels of community transmission in order to respond to recent, unexpected developments in the trajectory of the COVID-19 pandemic, including the rise of the Delta variant. It is intended to target specific areas of the county where cases are rapidly increasing, which likely would be exacerbated by mass evictions. Accordingly, subject to the limitation under the “Applicability”, of the guidance, a landlord, owner of a residential property or other person with legal right to pursue eviction or possessory action, shall not evict any covered person from any residential property in any county or U.S. territory while the county or territory is experiencing substantial or high levels of community transmission of SARS-CoV-2.

If a U.S. County that is not covered as of August 3, 2021 later experiences substantial or high levels of community transmission while the Order is in effect, then that county will become subject to the Order as of the date the county begins experiencing substantial or high levels of community transmission. 

If a U.S. County that is covered no longer experiences substantial or high levels of community transmission for 14 consecutive days, then the Order will no longer apply in that county, unless and until the county again experiences substantial or high levels of community transmission while the Order is in effect.