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Helping Households Connect During The Pandemic

The Emergency Broadband Benefit is an FCC program to help families and households struggling to afford internet service during the COVID-19 pandemic. This new benefit will connect eligible households to jobs, critical healthcare services, virtual classrooms, and so much more.

About the Emergency Broadband Benefit

The Emergency Broadband Benefit will provide a discount of up to $50 per month towards broadband service for eligible households and up to $75 per month for households on qualifying Tribal lands. Eligible households can also receive a one-time discount of up to $100 to purchase a laptop, desktop computer, or tablet from participating providers if they contribute more than $10 and less than $50 toward the purchase price.

The Emergency Broadband Benefit is limited to one monthly service discount and one device discount per household.

Who Is Eligible for the Emergency Broadband Benefit Program?

A household is eligible if a member of the household meets one of the criteria below:

  • Has an income that is at or below 135% of the Federal Poverty Guidelines or participates in certain assistance programs, such as SNAP, Medicaid, or Lifeline;
  • Approved to receive benefits under the free and reduced-price school lunch program or the school breakfast program, including through the USDA Community Eligibility Provision in the 2019-2020 or 2020-2021 school year;
  • Received a Federal Pell Grant during the current award year;
  • Experienced a substantial loss of income due to job loss or furlough since February 29, 2020 and the household had a total income in 2020 at or below $99,000 for single filers and $198,000 for joint filers; or
  • Meets the eligibility criteria for a participating provider’s existing low-income or COVID-19 program.

How to Apply

Eligible households must both apply for the program and contact a participating provider to select a service plan.

There are three ways for eligible households to apply:

  1. Contact a participating broadband provider directly to learn about their application process. If you are unable to apply through them directly, you will have to apply using option 2 or 3 below, and then contact a participating provider to select an eligible plan.
  2. Go to GetEmergencyBroadband.org to apply online and to find participating providers near you. After you apply, you will have to contact a participating provider to select an eligible plan.
  3. Call 833-511-0311 for a mail-in application or print a copy, and return it along with copies of documents showing proof of eligibility to:

Emergency Broadband Support Center
P.O. Box 7081
London, KY 40742

After you received a notice that you have qualified for the program, households must contact a participating provider to select an Emergency Broadband Benefit eligible service plan.

Get More Consumer Information

Check out the Broadband Benefit Consumer FAQ for more information about the benefit.

Which Broadband Providers Are Participating in the Emergency Broadband Benefit?

Various broadband providers, including those offering landline and wireless broadband, are participating in the Emergency Broadband Benefit. Find broadband service providers offering the Emergency Broadband Benefit in your state or territory. 

Broadband providers can find more information about how to participate here for more information about how to participate.

AMAZON SMILE IS AN EASY WAY TO HELP Affordable Homeownership Foundation

Did you know that everytime you order from Amazon it could help a non-profit? Go to Amazon Smile and choose Affordable Homeownership Foundation as your charity of choice and anything you purchase under Amazon Smile a percentage goes back to Affordable Homeownership Foundation. You can use your prime account just go to Amazon Smile and log in under your name on the Amazon Smile page and order the same way you usually do except they send a donation to us and all of the small donations add up. Please consider this when ordering, Thanking you in advance 

😊

Looking For A Place To Call Home? We are Building Single Family Homes on Our Vacant Lots in Charlotte & Lee Counties

Lois M Healy-CEO 239-689-4944

We have several Vacant properties in LEE And Collier County Florida that we would like to build your place to call Home on, either using our floor plan or yours. Here are some stipulations:

1.) You must be able to qualify for a home loan for around $220,000-$250,000 (Prices are going up daily due to increases in supplies like wood and cement)

2.) You must sign a contract to build and be able to close when the home is finished

3.) You must put down a down payment

Ken Falvey- Broker 239-849-3334

We use Hemmer Construction as our builder they are a quality builder who believes in doing things the right way. Please call us if interested, we look forward to working with you!

AHF is Excited to Announce the Opening of Our Home for Individuals With Disabilities. This Home is Housing 4 Disabled Individuals and was built with a Partnership with Lee County Human & Veterans Services & Lee County SHIP Program.

Common Kitchen
Another View of common Kitchen
Shared Living Room Area
Each Bathroom has a roll in Shower
This is a Bedroom, that has a Kitchenette, Roll in Shower and closet area
Shared Washer/Dryer Area
Each Bedroom has it’s own Kitchenette
Closet area in each room
This is the Guest Bathroom for Friends & Guests

Each bedroom/living area is wired to have the lights turn on through voice command thru Amazon Alexia, there is also the ability to turn the AC & Heat on via Alexia. Music can be played through Alexia in each room and in the common area. The County required we have a “Common Kitchen with a Stove, so each SRO (Single Room Occupancy Dwelling) is equipped with it’s own kitchenette so if someone does no want to leave their room they don’t have to. Each room is big enough to have a table, couch & TV as wells as the bedroom furniture.

Call 239-689-4944 for any further information “Changing Lives One at A Time”

RFP to Demolish & Rebuild a Single Family Home for a Very Low or Low income Family

March 2, 2021

Pre-bid Conference March 8th at 9:00 AM located at 12614 Seventh Street, Fort Myers, FL 33907 should you have any questions before hand please e-mail Lois Healy at : lois@affordablehomeownershipfoundationinc.org  

Our Application is now on Line Click below

https://ahf5264.wufoo.com/forms/z1cvkhma1jczxzv/

Hope for those who have none

Individuals with disabilities, Seniors and Veterans have limited income and as rents rise and their income remains the same most of these individuals are at risk of becoming Homeless or will become in less than a month. The average rents starts at between $1200-$1500 and those prices are rising daily. We have established a fund raiser to help with this issue the link is as follows: https://www.youhelp.com/hope-givers-for-those-who-have-none/donate

This fund can help the elderly, disabled and Veterans whose income is only between $650 $1000 and their rent is now $1200 until we can find them alternative housing in their price range (which is next to impossible).

Without your assistance these individuals will be living on the streets. The average life span of a homeless person on the streets in our County especially a Senior, or an individual with a disability or a Veteran is 6-8 months. PLEASE HELP!

Thinking about replacing your Roof? Please Read

https://www.roofingcompare.com/roofing-cost-guide.html

Do you need advice and help Negotiating with your Landlord or Mortgage Servicer Due to The Covid 19 Pandemic?

Are You Worried About Eviction & Foreclosure? We have HUD Trained Housing Counselors on Staff That can help you negotiate with your landlord or Your Mortgage Servicer to Prevent Eviction & Foreclosure Call Affordable Homeownership Foundation 239-689-4944 or e-mail us at: info@ahf.today

In order to qualify for assistance you must have been:

  • Affected by COVID-19 and experienced a Job Loss or Furlough
  • Are having difficulty paying your rent or mortgage
  • Are behind on your rent or mortgage
  • Have received an eviction notice or Foreclosure Paperwork.

 239-689-4944

This is counseling and budgeting is to help prevent Eviction and Foreclosure and develop a crisis budget and to receive other advice and resources to keep you housed. Remember if you receive eviction paperwork and Foreclosure Paperwork you have a limited time to send a response so call us as soon as you can, time is of the essence!

Affordable Homeownership Foundation and COVID-19

I hope everyone is staying safe during this difficult and very unnerving time. As we continue to figure out our futures we are still here for counseling that we can do virtually either through SKYPE or other platforms.

What this disaster means for your Mortgage Loan:

Guide to coronavirus mortgage relief options

MAR 31, 2020

If you’re among those financially impacted by the coronavirus pandemic, you might be concerned about how to pay your mortgage or rent. Federal and state governments have announced plans to help struggling homeowners during this time. Read this to get information on what to do now, and what your options are for mortgage and rental relief.

Important things to know first

For many homeowners with mortgages, there’s help, but first assess your situation.

If you can pay your mortgage, pay your mortgage.

Don’t call your mortgage servicer if you aren’t facing an immediate issue. Mortgage servicers are getting a lot of calls and need to first help those who won’t be able to pay their mortgage. Check their website first for possible options.

If you can’t pay your mortgage, or can only pay a portion, contact your mortgage servicer immediately.

You may need to stay on the phone for a while before the servicer is able to take your call. Loan servicers are also impacted by the pandemic, so may be working with staffing and technology limitations. Please be sure to read this blog carefully so you are prepared for this conversation.

A new federal law, the Coronavirus Aid, Relief, and Economic Security (CARES) Act, puts in place two protections for homeowners with federally backed mortgages:

  1. A foreclosure moratorium
  2. A right to forbearance for homeowners who are experiencing a financial hardship due to the COVID-19 emergency

If you don’t have a federally backed mortgage, you still may have relief options through your mortgage servicer or from your state.

Keep reading as we’ll first explain what the different options mean. Then we’ll explain how you can figure out if your lender or servicer can offer you any of the forms of assistance available.

This blog includes information to help you understand:

Major mortgage relief options during the coronavirus pandemic

Mortgage forbearance

Forbearance is when your mortgage servicer or lender allows you to pause or reduce your mortgage payments for a limited period of time. Forbearance doesn’t erase what you owe – you’ll have to repay any missed or reduced payments in the future. If your income is restored, reach out to your servicer and resume making payments as soon as you can.

Depending on the kind of loan you have, there may be different forbearance options. If this option is available to you, read our guide to help you make the best decision based on your situation.

Moratoriums suspend or stop foreclosure

Foreclosure is when the lender takes back the property after the homeowner fails to make required payments on a mortgage. Foreclosure processes differ by state.

Keep reading for specific information on forbearance and moratoriums under the CARES Act.

What options do you qualify for?

Your mortgage relief options depend on who owns or backs your mortgage. Here we’ll explain how to find out what you qualify for.

First, figure out who services your mortgage. This is who you need to contact.

HOW TO REQUEST FORBEARANCE OR OTHER MORTGAGE RELIEF

Call your servicer.

You may need to stay on the phone for a while before the servicer is able to take your call.

Loan servicers are experiencing a high call volume and are also impacted by the pandemic, so may be working with staffing and technology limitations.

Have your account number handy.

Click here for questions to ask and information to have ready for your call.

Your mortgage servicer is the company that you send your mortgage payments to each month.

If you don’t know or can’t remember who currently services your mortgage, there are several ways to find out, including looking at your mortgage statement for contact information.

Click here to find out who owns or services your mortgage.

Second, figure out if your mortgage is federally backed.

To be eligible for protections under the CARES Act your mortgage must be federally owned or otherwise backed by one of the federal agencies and entities listed below. If you don’t know who owns or backs your mortgage, you can call your servicer. The servicer has an obligation to provide you, to the best of its knowledge, the name, address, and telephone number of who owns your loan.

List of federal agencies and entities

Nearly half of the nation’s mortgages are owned or backed by Fannie Mae or Freddie Mac.

To look up online whether your mortgage is owned or backed by Fannie or Freddie, click these links:

CARES Act Relief Options

If your mortgage is a federally backed mortgage, you have two mortgage relief options under the CARES Act:

  • First, your lender or loan servicer may not foreclose on you for 60 days after June 30th 2021. Specifically, the CARES Act prohibits lenders and servicers from beginning a judicial or non-judicial foreclosure against you, or from finalizing a foreclosure judgment or sale, during this period of time.
  • Second, if you experience financial hardship due to the coronavirus pandemic, you have a right to request a forbearance for up to 180 days. You also have the right to request one extension for another up to 180 days. You must contact your loan servicer to request this forbearance. There will be no additional fees, penalties or additional interest (beyond scheduled amounts) added to your account. You do not need to submit additional documentation to qualify other than your claim to have a pandemic-related financial hardship.

If your mortgage is backed by Fannie Mae or Freddie Mac

In addition to the foreclosure moratorium and forbearance, if you are granted forbearance to delay making your monthly payments during this temporary period:

  • You won’t incur late fees
  • You won’t have delinquencies reported to credit reporting companies
  • Foreclosure and other legal proceedings will be suspended

Borrowers with a mortgage not backed by the federal government

If you have a mortgage loan that is not backed by one of the federal agencies or entities listed above, contact your servicer. The CFPB and other financial regulators have encouraged financial institutions to work with borrowers who are or may be unable to meet their obligations because of the effects of COVID-19.

Your servicer should help you identify alternatives that may be available to you given your specific circumstances.

Your state may also offer additional mortgage relief options

Many states are implementing or considering various mortgage relief options, including the suspension of foreclosures, as well as additional assistance for homeowners. Check your state’s government website for details.

How to request forbearance or mortgage relief

Call your servicer

You may have to wait on the line for a while to speak to your mortgage servicer because there are a lot of people in need right now. Be prepared with the following information and questions you want to ask, and check their website before you call to see if there is a list provided of information you may need. Have your account number handy.

You may need to explain

  • Why you’re unable to make your payment
  • Whether the problem is temporary or permanent
  • Details about your income, expenses and other assets, like cash in the bank
  • Whether you’re a servicemember with permanent change of station (PCS) orders

Questions to ask

  • What options are available to help you temporarily reduce or suspend my payments?
  • Are there forbearance, loan modification, or other options?
  • Can you waive late fees?

Get it in writing

Once you’re able to secure forbearance or another mortgage relief option, ask your servicer to provide written documentation that confirms the details of your agreement and that you’re clear on what the terms are. With some forbearance programs, you may owe all of your missed payments at one time, or additional payments at the end of the mortgage might be required, so make sure you’re familiar with the final terms.

What to do once you’ve received a mortgage relief option

While you’re in the forbearance period, or working under another mortgage relief option, there are a number of things to do to continue to protect yourself. This advice applies to both a CARES Act forbearance and other mortgage relief that you might receive.

  • Keep written documentation on hand. You want to make sure that you have this documentation available in case there are any errors on your monthly mortgage statements to ensure that your statement reflects the assistance provided.
  • Pay attention to your monthly mortgage statement. Continue monitoring your monthly mortgage statements to make sure you don’t see any errors.
  • Keep an eye on your credit. It’s a good idea to routinely check your credit reports in order to make sure there are no errors or inaccuracies. If you stop making mortgage payments without a forbearance agreement, the servicer will report this information to the credit reporting companies, and it can have a lasting negative impact on your credit history. If an error has been made, however, you can work to dispute it. Get more information about credit reporting and coronavirus.
  • Once your income is restored, contact your servicer and resume your payments. With forbearance, you still owe the payments that you missed, but fewer missed payments mean you’ll owe less down the road.
  • If you’re continuing to receive some income that turns out to be more than you need for your bills and expenses (including anything you keep paying on your mortgage), consider putting the extra money away so you can use it to pay off what’s needed later. If you can save any money now, it’ll be helpful when payments are due later.

Be aware of scams

Scammers often take advantage of vulnerable consumers during disasters and financial shocks. In addition to coronavirus-related scams, be aware of scams that falsely promise financial relief from your mortgage loan, or from foreclosure.

Here’s what to watch for as scammers may:

  • Charge a high up-front fee for their services
  • Promise to get you a loan modification
  • Ask you to sign over your property title
  • Ask you to sign papers you don’t understand
  • Tell you to make payments to someone other than your servicer
  • Tell you to stop making payments altogether
  • Promise you payments in connection with providing credit card numbers and other personal information

Learn what steps you can take if you believe you’ve been a victim of a foreclosure scam

Protections for renters

If you are renting from an owner who has a federally backed mortgage, the CARES Act provides for a suspension or moratorium on evictions. If your landlord has a federally backed mortgage or multi-family mortgage, you cannot be evicted for nonpayment of rent for 120 days beginning on March 27, 2020, the effective date of the CARES Act. After the 120-day period is up, the landlord cannot require you, the tenant, to vacate until providing you with a thirty-day notice to vacate.

If the property you rent isn’t covered by the CARES Act, many states have suspended all evictions and foreclosures due to the pandemic. Check the websites of your state government, state court , or legal aid program for details and updates.

Where to get additional help

If you need help working with your servicer or understanding your options you may want to reach out to a professional to help you with your specific situation.

Find more information regarding COVID-19 from CFPB

We’re working to continuously update information for consumers during this rapidly evolving situation.

We will publish all COVID-19-related information and blogs to our resource page. Information should be considered accurate as of the blog publish date.

See our COVID-19 resource page

Topics:

Join the conversation. Follow CFPB on Twitter  and Facebook  .

Best regards,

Lois Healy- CEO

Affordable Homeownership Foundation Inc

5264 Clayton Court, Suite 1

Fort Myers, FL 33907

www.ahf.today

239-689-4944

Great Minds discuss ideas;

average minds discuss events;

small minds discuss people.

Eleanor Roosevelt

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