Renters: We’re here to help you

Fannie Mae is working to provide relief for the millions of renters who’ve been impacted during this difficult time. You can count on us for the latest updates and accurate information. Explore this page for helpful resources and tips.

There is help available to you during these uncertain times. If your building is financed through Fannie Mae, you have access to the Disaster Response NetworkTM for some extra support, including:

  • Assistance with FEMA and insurance claims after a natural disaster.
  • Access to HUD-approved housing counselors.
  • Federal and state housing assistance information.
  • Guidance on unemployment benefits, nutritional assistance, and any other available programs.
  • Nonlegal support in communicating with landlords.

To find out if your building is financed by Fannie Mae, use the Renters Resource Finder.

Simply enter your building’s address, including city, state, and ZIP code.

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Communication is key: Starting a conversation with your landlord

If you are a renter living in an apartment or other multifamily rental housing with five or more units and you're facing financial challenges as a result of COVID-19 (coronavirus), we want to help. Your first step should be to talk to your landlord to find out what housing assistance options might be available. Here are some tips that can help you reach an understanding:

Be candid about your situation. Share how your income has been affected.

Mention any resources and assistance options you’ve found.

Ask about payment arrangements, such as a temporary rent reduction.

Explain how your family would be impacted by being evicted.

Keep any email and text conversations and make notes of when you spoke in person.

Remember that your landlord may also be experiencing challenges during this time.

Try to communicate your situation clearly but also calmly.

Assistance in your area:

During this time, states are helping renters by providing different protections, like utility shutoff delays or eviction moratoriums. Get the most up-to-date information in your area.

Explore state and local efforts

Your protections as a tenant: What’s the CARES act?

The CARES Act provides Americans with various forms of relief from difficulties related to COVID-19, including housing hardship. If you live in a building financed by Fannie Mae, know that you can’t be served with an eviction notice solely for the nonpayment of rent for 120 days, until July 25, 2020, and your landlord has to give you 30 days to leave the property (August 24, 2020). During the 120-day ban on evictions, your landlord also may not charge you late fees or penalties. That doesn’t mean you don’t have to pay rent, but you should discuss with your landlord to determine if any financial arrangements can be made to help you through this challenging time.

What is the CDC Order?

On September 4, 2020, the Centers for Disease Control and Prevention (CDC) published an Order called the “Temporary Halt in Residential Evictions to Prevent the Further Spread of COVID-19.” Single-family and multifamily renters who meet the Order’s requirements, including the requirement to provide a specific declaration to their landlord under penalty of perjury, may claim the Order’s protections if they have been financially impacted by COVID-19 and can no longer afford to pay some or all of their rent. Learn more here.

Resources

CARES Act

Full text of the Coronavirus Aid, Relief and Economic Security Act of 2020.