Talbot County, Maryland
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Housing Program Information

Whether you are a renter, home owner, or considering a move to Talbot County, the Housing Department is here to assist you in locating resources.  Please contact the Talbot County Housing Coordinator to learn more about which programs might best meet your specific housing needs.

For additional housing information, please click on the tabs to the left.

Sheena Van Ornum, Talbot County Housing Coordinator
215 Bay Street, Suite 2
Easton, MD  21601
Ph.  410-770-6879  Fax:  410-770-8043
E-Mail: SVanOrnum@talbotcountymd.gov

COVID 19 Update and Resources:

Foreclosures, Evictions, and Utility shut-offs for Nonpayment

Evictions
The hold on evictions ends on July 24 at 5pm. The exception is for tenants living in properties with federally-backed loans. The hold on evictions for those tenants extends until August 31

If you are not sure if your apartment building is financed by Freddie Mac or Fannie Mae use these resources:

Freddie Mac Rental Lookup:

https://myhome.freddiemac.com/renting/lookup.html

Fannie Mae Rental Resource Finder: https://www.knowyouroptions.com/rentersresourcefinder

Landlords
Certification of CARES Act Compliance Must be Filed in New Failure to Pay Rent Cases. Landlords filing a complaint for failure to pay rent from May 22 through July 25, 2020, must include a Declaration of Compliance with the CARES Act. Filings that do not include the certification will not be accepted by the clerk.

Foreclosures
Foreclosures of all kinds are on hold until at least Friday, July 24 at 5pm. After this time, foreclosures will resume for homes with privately-backed mortgages. Foreclosures for homes with federally-backed mortgages are on hold until August 31.  

If you are behind on rent or mortgage payments, please seek legal advice as soon as possible.  Mid-Shore Pro Bono offers legal advice free of charge to low income households and those affected by the Covid-19 Crisis. 

Mid-Shore Pro Bono Inc.
8 S. West Street
Easton, MD 21601
Ph. 410-690-8128

To understand the options available for getting help with your mortgage it's important for you to know who owns your loan.

If Fannie May or Freddie Mac owns your loan, you may qualify for programs providing payment relief including a forbearance plan or loan modification. You may qualify for programs for those impacted by COVID-19, a disaster, or housing affordability challenges.  You'll also have access to live personalized assistance from HUD-approved housing counselors through the Mortgage Help Network or Disaster Response Network.

Use these loan lookup tools to quickly find out if Freddie Mac or Fannie Mae owns your loan:

Fannie Mae Loan Lookup: https://www.knowyouroptions.com/loanlookup#form

Freddie Mac Loan Lookup:

https://ww3.freddiemac.com/loanlookup/

Utilities
The moratorium on utility late fees and shut-offs for non-payment is in effect until August 1, 2020. If you are struggling to pay your utility bill, reach out to your utility company now to try and negotiate a payment plan.  Additional Covid-19 Utility Resources can be found on The Maryland Office of People's Council page here:

http://www.opc.maryland.gov/Consumer-Corner/Publications#COVID-19%20Fact%20Sheets

CARES Individual Assistance Program
Talbot County is offering rental assistance, mortgage payment assistance and utility assistance to residents through the CARES Individual Assistance Program. The Coronavirus Aid, Relief, and Economic Security (CARES) Act was passed by Congress to provide economic assistance for workers, families, and small businesses, and preserve jobs. Some of these funds were distributed to states and then to local governments.  Talbot County residents who are unable to meet an expense between March 16, 2020, and December 30, 2020, because of the current COVID-19 public health emergency may apply for CARES Individual Assistance.

Applications are available from the Talbot County Department of Social Services or online at talbotcovid19.org. While the Social Services Office is closed to the public to slow the spread of COVID-19, applications can be obtained by calling 410-820-4347 and leaving a message including your phone number. Your call will be returned by the next business day. Once completed, the application can be mailed to or placed in the drop box at:

Talbot County Department of Social Services
301 Bay Street, Unit 5
Easton, MD 21601
fax 410-820-7117
or talbot.customer@maryland.gov

Applications are also available at:
Neighborhood Service Center
126 Port Street
Easton, MD  21601

Walk-ins welcome (limited access) Monday–Friday, 8 a.m.–5 p.m. 410-822-5015 or info@nsctalbotmd.org

 

Page last modified 07/28/20 09:25:55

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