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Emergency Rental and Mortgage Assistance Program (ERMA)
On July 1, 2020 a new, $20 million, state-wide fund, the Emergency Rental and Mortgage Assistance (ERMA) program, will provide direct funding to eligible households who have suffered financial hardship due to the COVID-19 pandemic and State of Emergency.
Mass.GOV says you must reach out to the eleven agencies that administer ERMA and RAFT on the state’s behalf, this includes our nine Housing Consumer Education Centers, as well as LHAND and the Central Massachusetts Housing Alliance. ERMA can provide rental and mortgage assistance to low-income households who have been impacted by the crisis and may not be eligible for traditional or COVID-19 RAFT.
Who is Eligible?
This program is available for households within the 50-80% range of Area Median Income (AMI). Like the RAFT program, ERMA may provide up to $4,000 for eligible households to assist with rent or mortgage arrears accrued after April 1, 2020 and/or with upcoming rent or mortgage payments. Link –
Lawmakers could cancel rent for the duration of the coronavirus crisis, and pause mortgages in a way that helps landlords survive. A few owner-landlords have postponed rents until 2021.
Massachusetts Governor Baker addressed Evictions and foreclosures buy pausing them until Oct. 17, due to the coronavirus pandemic.
POTUS Executive orders
He could order a nationwide moratorium on evictions. The order combines astate and local policies under one umbrella.
He could authorize more money. He could write more stimulus checks Pay To the individual. He could extend unemployment benefits. He dispatch enough affordable housing social workers to go out and help keep their landlords afloat.
An increase in available affordable homes is necessary. The National Low-Income Housing Coalition found the US is 7 million short of affordable homes. 1 of 5 eligible renters receive Federal Assistance today that reduces their rent to a reasonable percentage of the income.