COVID-19: How MSHDA Can Help
Disclaimer: The Michigan State Housing Development Authority (MSHDA) has sponsored this blog post.
Forty-eight days. That’s how long I’ve been in the house since the stay-at-home order has taken place. It’s a surreal feeling, being cooped up inside like this. And while I am grateful to have a home where I can complain about being cooped up in, one of the harsh realities of this is that there are so many people within the city and state that don’t.
It has been reported that there are around 2,100 people experiencing chronic homelessness in Detroit. That’s 2,100 people that didn’t have the option to stock up on essential items, buy groceries in bulk, or rest peacefully at night, knowing that they had somewhere to shelter-in-place.
If the news of COVID-19 hadn’t shaken up the world enough, people across the country are losing their jobs due to the pandemic, which is leaving many in states of financial instability. I have friends, peers and former colleagues who are now trying to figure out what their next moves are in regard to work and their wellbeing. As much as I try to practice the art of being prepared in my everyday life, I think it’s safe to say that no one was ready for the effects that COVID-19 would have on us.
Now is not the time to have an “I” mentality. We need to make sure that we are being considerate and supportive of one another to the best of our ability.
I’m happy to be partnering with the Michigan State Housing & Development Authority (MSHDA) to shine a light on the programs and resources they have available for those that are experiencing financial and housing hardships. MSHDA’s network of agencies are trained in community disaster response and HUD certified Housing Counselors can help you navigate the disaster recovery process, access recovery resources, keep finances in order and avoid foreclosure or eviction.
If you or someone you know is in need of assistance, here are some ways in which MSHDA can help:
Counselors Provide Financial Assessment & Planning
Housing counseling can help households address their financial situation and avoid deepening financial losses and debts due to the COVID-19 crisis.
Agencies are also offering virtual financial classes specific to those seeking financial security – including information on how to maneuver the maze of financial products and services, establish or rebuild credit, reduce debt and save for the future.
Assistance for Homeowners, Renters & the Homeless
Housing Counselors work with lenders and landlords to negotiate mortgage or rent forbearance and eviction avoidance.
Emergency Solutions Grant (ESG) Program
In support of the Campaign to End Homelessness in Michigan, the Emergency Solutions Grant (ESG) Program promotes Housing First through prevention and rapid re-housing activities.
Under the Coronavirus Aid, Relief, and Economic Security (CARES) Act, two protections are in place for homeowners with federally-backed mortgages.
I know this is such a scary and uncertain time right now, and that’s why organizations like MSHDA are so important for the community. To find a housing counselor in your area, visit https://bit.ly/2T8zCqd. More information about MSHDA can be found here.
I hope that everyone continues to stay safe, healthy, and inside. Remember that we’re all in this together.