Government Support Resources During COVID-19

This page contains a summary of government support resources during COVID-19. You may access more detailed information and the full FAQ for each program by clicking on one of the links below.

Breaking news! Check out these recent updates!

Additional updates to the FAQ sections are coming soon!

New COVID Relief Package passed in December 2020. Read blog for more information or watch video.
Deadline for new round of PPP loan is March 31, 2021! Find out if you qualify for a second round of PPP loans even if you received a loan last year in upcoming NAHREP virtual session with Sara Rodriguez.
Are you a landlord and having trouble with tenants not paying rent? See below for more information on the Emergency Rental Assistant Program! Watch the upcoming session featuring Rob Chevez and click here for where to apply.

Government COVID-19 Support Resources Summary

FINANCES: Income relief from reduction in business or job loss

What is it?
A Small Business Administration loan program that provides low interest, forgivable loans to small business owners.

You can apply through your local lender of an SBA-approved lender in the lender match tool.
A Small Business Administration loan program that provides emergency assistance to both small and large businesses, including forgivable grants of up to $10,000.
A temporary expansion of unemployment insurance benefits for previously ineligible populations, such as independent contractors.
Joint federal and state-run programs that provide cash stipends to individuals who have become unemployed through no fault of their own.
Who qualifies?
Small businesses with fewer than 500 employees, self-employed individuals, and independent contractors.

Also:
Small businesses that received a PPP loan last year, have fewer than 300 employees and can demonstrate at least a 25% reduction in gross receipts between comparable quarters in 2019 and 2020 are eligible for a second draw of PPP.
Small businesses that are located in a low-income community and can demonstrate more than 30% reduction in revenue during an 8-week period beginning on March 2, 2020 or later.
Self-employed individuals, independent contractors, gig-workers, and W2 workers with social security numbers.
Those who have exhausted their regular state benefits, or have lost their jobs for reasons arising from the pandemic but who are not normally eligible for unemployment insurance in their state.
Available until
March 31, 2021
December 31, 2021
March 14, 2021
March 14, 2021
What is it?
A Small Business Administration loan program that provides low interest, forgivable loans to small business owners.

You can apply through your local lender of an SBA-approved lender in the lender match tool.
Who qualifies?
Small businesses with fewer than 500 employees, self-employed individuals, and independent contractors.

Also:
Small businesses that received a PPP loan last year, have fewer than 300 employees and can demonstrate at least a 25% reduction in gross receipts between comparable quarters in 2019 and 2020 are eligible for a second draw of PPP.
Available until
March 31, 2021
What is it?
A Small Business Administration loan program that provides emergency assistance to both small and large businesses, including forgivable grants of up to $10,000.
Who qualifies?
Small businesses that are located in a low-income community and can demonstrate more than 30% reduction in revenue during an 8-week period beginning on March 2, 2020 or later.
Available until
December 31, 2021
What is it?
A temporary expansion of unemployment insurance benefits for previously ineligible populations, such as independent contractors.
Who qualifies?
Self-employed individuals, independent contractors, gig-workers, and W2 workers with social security numbers.
Available until
March 14, 2021
What is it?
Joint federal and state-run programs that provide cash stipends to individuals who have become unemployed through no fault of their own.
Who qualifies?
Those who have exhausted their regular state benefits, or have lost their jobs for reasons arising from the pandemic but who are not normally eligible for unemployment insurance in their state.
Available until
March 14, 2021

Housing: Keeping families in their homes

What is it?
Consumers have the right to request a temporary postponement of mortgage payments for up to one year. No fees or additional interest is applied during the forbearance period.

Important to note that this is not a forgiveness of payments, just a postponement.
Mortgage lenders are banned from beginning the foreclosure process on federally-backed mortgages due to non-payment for 60 days beginning March 18, 2020.
Tenants are protected under eviction moratoriums on a state by state basis.
Who qualifies?
Anyone holding a federally-backed mortgage (FHA, VA, USDA, Conventional).
Anyone holding a federally-backed mortgage (FHA, VA, USDA, Conventional).
State by state basis.
Available until
June 30, 2021
June 30, 2021
March 31, 2021
What is it?
Consumers have the right to request a temporary postponement of mortgage payments for up to one year. No fees or additional interest is applied during the forbearance period.

Important to note that this is not a forgiveness of payments, only a postponement.
Who qualifies?
Anyone holding a federally-backed mortgage (FHA, VA, USDA, or Conventional).
Available until
June 30, 2021
What is it?
Mortgage lenders are banned from beginning the foreclosure process on federally-backed mortgages due to non-payment for 60 days beginning March 18, 2020.
Who qualifies?
Anyone holding a federally-backed mortgage (FHA, VA, USDA, Conventional).
Available until
June 30, 2021
What is it?
Tenants are protected under eviction moratoriums on a state by state basis.
Who qualifies?
State by state basis.
Available until
March 31, 2021

*CARES Act: The Coronavirus Aid, Relief, and Economic Security Act, also known as the CARES Act, is a law intended to address the economic fallout of the COVID-19 pandemic in the United States

The information provided in the NAHREP COVID-19 Resource Center does not represent legal interpretation, guidance, or legal advice from NAHREP. While efforts have been made to ensure accuracy, this document does not bind NAHREP and does not create any rights, benefits, or defenses, substantive or procedural, that are enforceable by any party in any manner.