Housing and Mortgage Issues
National Consumer Law Center
The National Consumer Law Center (NCLC) has great resources to help communities cope with financial devastation after a natural disaster strikes. Click here for resources on housing and mortgages.
To help households, especially the most vulnerable, recover from financial devastation after a disaster strikes, the NCLC has also created a free Disaster Relief toolkit.
The online toolkit includes resources for families, advocates, and policymakers on:
- Obtaining mortgage relief;
- Getting short-term and longer-term federal student loan debt relief (English and Spanish);
- Avoiding home repair fraud (based on lessons learned after Hurricane Katrina);
- Identifying debt settlement scams (English and Spanish);
- Keeping households connected with utilities, including model utility consumer protections that states can adopt, an issue brief on helping low-income households with assistance in paying bills for heating and cooling, and an issue brief and fact sheet explaining how low-income households can remain connected with voice and broadband internet service; and
- Helping older consumers after a natural disaster (including tips on insurance benefits and obtaining assistance from FEMA).
Landlord/tenant laws vary by state. Find legal help in your area by visiting LawHelp.org.
Other Housing Resources
- Fannie Mae's Disaster Response Network
- NeighborWorks America & FDIC: Navigating the Road to Housing Recovery is a comprehensive guide to resources and steps to take for those affected by natural disasters.
- Make a Plan by Ready.gov
- HUD Disaster Resources - Maintained by the U.S. Department of Housing and Urban Development (HUD)
- List of Currently Open Red Cross Shelters - Maintained by the American Red Cross