RIHousing is closely monitoring the latest news about the coronavirus (COVID-19) and working hard to ensure there are no disruptions to service for our customers and partners.

Due to the current COVID-19 health emergency, RIHousing’s office building is currently closed to visitors until further notice.

RIHousing staff is available to assist you via telephone or email. Please see below for additional information for homeowners or renters facing a short-term housing crisis. Or please call 401-457-1234 or email info@rihousing.com to seek further assistance from RIHousing.

If you need to submit paperwork or a payment, please mail to: RIHousing, 44 Washington Street, Providence, RI 02903. If necessary, you can submit paperwork/payment via a mail slot located next to RIHousing’s main entrance on 44 Washington Street in downtown Providence.

Last Updated: July 16, 2021

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RIHousing Mortgage Customers

 

We understand that these are stressful times for homeowners who may be experiencing loss of income and other financial impacts related to the COVID-19 health crisis.  RIHousing is closely monitoring the latest news about COVID-19 and working hard to ensure that Rhode Island homeowners have the resources and information they need.

UPDATED 07/16/2021
▸ COMING SOON: Homeowner Assistance Fund Rhode Island (HAFRI)
 
The COVID-19 pandemic has resulted in thousands of Rhode Island homeowners falling behind on their mortgage payments and housing-related expenses. RIHousing will soon launch the Homeowner Assistance Fund Rhode Island (HAFRI) program that will help Rhode Island homeowners remain in their homes.
 
 

UPDATED 02/25/2021
▸ FOR CUSTOMERS AT THE END OF THEIR FORBEARANCE PERIOD

Homeowners who are at the end of their forbearance period under the CARES Act will need to start resuming mortgage payments.

Under the CARES Act, homeowners with federally backed mortgages could receive mortgage forbearance for 180 days with the ability to receive an additional 180 days if needed. A forbearance is a ‘pause’ to mortgage payments, and homeowners are required to repay any missed or reduced payments. Homeowners who received a forbearance at the start of the pandemic are coming to the end of that forbearance period and will now need to resume their mortgage payments and work with their lenders on how to repay the deferred payments. Click here to learn more.

If you have a FNMA loan, you may be eligible to extend your forbearance for up to an additional 90-day period once you have reached the completion of your 12-month forbearance.

If you have a government insured mortgage (FHA, VA or USDA) and received your initial forbearance on or before June 30, 2020, you may be eligible to extend your forbearance for up to two additional 90-day periods once you have reached the completion of your 12-month forbearance period.

If you need to confirm what type of loan you have, please contact Paul Russo at 401-457-1291 or via email at prusso@rihousing.com, or Matthew MacArthur at 401-429-1429 or via email at mmacarthur@rihousing.com.


▸ For those who are able to make their mortgage payments, it is important that you continue to do so
.
If you are facing reduced hours or job loss and are worried about making your mortgage payment this month, there may be resources that can help.

  • If you are a RIHousing mortgage customer and need assistance during this time, please reach out.
    Please note that the current call volume is extremely high, so we ask for your patience and understanding while we do our best to assist all customers. You may also reach us at servicinginfo@rihousing.com.
  • Mortgage customers who are experiencing reduced hours or job loss and are having difficulty making their mortgage payments should submit a forbearance request via email to prusso@rihousing.com.

We appreciate your cooperation and thank you for being a valued customer.

For more information, see our RIHousing Mortgage Customers COVID-19 Frequently Asked Questions.

 

Homeowner Assistance

 If you are facing a short-term housing crisis,
please click
HERE to learn about the HomeSafe Initiative.

 

Assistance for mortgage holders 

UPDATED 07/16/2021
▸ COMING SOON: Homeowner Assistance Fund Rhode Island (HAFRI)
 
The COVID-19 pandemic has resulted in thousands of Rhode Island homeowners falling behind on their mortgage payments and housing-related expenses. RIHousing will soon launch the Homeowner Assistance Fund Rhode Island (HAFRI) program that will help Rhode Island homeowners remain in their homes.
 
 

UPDATED 06/24/2021
DEADLINE FOR FHA MORTGAGE FORBEARANCE REQUESTS EXTENDED: FHA Mortgages

If you have an FHA mortgage and you are experiencing a financial hardship that negatively impacts your ability to make on-time mortgage payments due to the COVID-19 National Emergency and would like to request a mortgage forbearance, you must do so no later than September 30, 2021.

Click here to learn more >


Many lenders are taking action to help homeowners impacted by COVID–19 to stay in their homes during this challenging time. Below are some things you can do if you are concerned about your ability to make your mortgage payment(s) due to the pandemic.

For more information and resources for homeowners, visit our COVID-19 Homeowner Assistance webpage.

 

CONTACT YOUR LENDER / MORTGAGE SERVICER

If you have experienced a disruption in your income, contact your lender/mortgage servicer to discuss your options and inquire about any special programs and/or delayed payment options they may offer. Some lenders have rolled out mortgage relief programs for those who are unable to make their mortgage payments due to a decline in income. Certain federally insured mortgage holders may be eligible for mortgage forbearance.

 

RIHousing HelpCenter

RIHousing’s HelpCenter is available to assist Rhode Island homeowners concerned about their ability to make their mortgage payments. The HelpCenter is a HUD-approved counseling agency that provides free foreclosure prevention counseling services to all Rhode Island homeowners. Click here for more information or reach out to: 401-457-1130.

  • While we are no longer holding in-person meetings, staff are available via email and/or telephone as needed.
  • Mediation conferences and foreclosure counseling are now held via phone.

 

For those facing foreclosure

Foreclosures and evictions have been suspended through July 31, 2021. You should contact your mortgage servicer to find out if your mortgage is affected.

 

Homebuyers/ Homebuyer Education

 

Information for RIHousing Loan Center Customers

  • While we are not accepting visitors to our offices, staff are reachable by email and/or telephone.
  • If you have a loan in process, or have applied to be pre-approved, please reach out to your Loan Originator as needed. We are working to ensure there are no disruptions in service.

Homebuyer Education – Now Virtual

NEW: Virtual Homebuyer Education classes
Now you can “Get Educated!” from the comfort of your home! RIHousing is pleased to launch our virtual Homebuyer Education Classes to help prospective homebuyers understand the process of buying and keeping a home. The virtual option replaces our in-person classes.

Click here to learn more and to register.

  • RIHousing is expanding online course options to include the Framework course offered by Fannie Mae.  The course features the same basic principles taught at the in-person class. 
  • The class is available free of charge at https://homeready.frameworkhomeownership.org and the Certificate earned upon successful completion satisfies the RIHousing homebuyer education requirement. 

For more information, see our Homebuyers COVID-19 Frequently Asked Questions.

 

Realtors

For COVID-19 information for realtors, please visit the Rhode Island Association of Realtors of website.

 

Renters

 

Updated: March 30, 2021

Eviction Moratorium: The CDC has  announced today an extension of the federal eviction moratorium through July 31, 2021, and greater enforcement of the moratorium’s protection. In an effort to prevent the further spread of COVID-19, the Centers for Disease Control and Prevention (CDC), announced in September of last year an emergency public health order, which temporarily halts most evictions for nonpayment of rent. Under the order, renters who earn less than $99,000 annually (or $198,000 for a married couple household) are eligible for the moratorium. Renters must provide their landlord with an affidavit stating that they have sought government assistance for rent or housing; are unable to pay rent due to a substantial loss in income or because of extraordinary out-of-pocket medical expenses; are making their best effort to make partial rent payments, and would be faced with homelessness or overcrowding as a result of the eviction.

The moratorium does not change the obligations of tenants to eventually pay their rent or any late fees that may accrue. More information on the moratorium is available in the federal register here or in this frequently asked questions resource.


If you are facing a short-term housing crisis, please click HERE to learn about the HomeSafe Initiative.

 

Updated: March 31, 2021

Rhode Island has received $200 million in rent relief funds from the federal Emergency Rental Assistance (ERA) Program. This program will provide rental and utility relief payments to help eligible renters maintain housing stability.

The program is now accepting applications for rental and utility assistance. Click here to learn more and apply.


 

Updated: July 1, 2020
On March 27, 2020, the President signed the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This legislation provided the U.S. Department of Housing and Urban Development (HUD) the ability to waive statute or regulations to allow alternative requirements. This provided public housing authorities, such as RIHousing, with flexibilities necessary to respond to COVID-19. RIHousing has opted to use some of the waivers that were granted. Click here for details. 


 

 

Tenants of Multifamily Developments:

  • Social Distancing Measures: Many properties have adjusted their policies to address social distancing measures. It is at the property owner’s discretion to determine how they will implement these measures. Tenants should contact their property manager to obtain information on their development’s policies and procedures.
  • Rent Payments: We realize that some tenants may have difficulty paying rent due to a loss of income. RIHousing is encouraging properties to work with impacted residents to lessen the impact. At this time, no additional funding has been made available to assist tenants with rent.
  • Annual Recertifications: Currently, all annual recertifications are moving forward as usual. However, if you feel sick or have concerns about going into the office, please contact your property manager to discuss alternative options.

Housing Choice Voucher (HCV) Program Families

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  • Payments: At this time, we do not anticipate any delay in rent or utility payments.
  • Initial move-in inspections: If you have found a unit that you would like to move into, please contact 401-457-1125. We are still conducting inspections as long as the unit is vacant.
  • Emergency inspections: If your home has a health or safety emergency please notify your landlord immediately and call RIHousing at 401-457-1125. The decision to conduct these inspections will be made on a case-by-case basis.
  • Reduction or loss of income: If you experience a reduction or loss in income, please send documentation from your employer to COVID-19incomeupdate@rihousing.com. If you do not have documentation from your employer then please email us what the income reduction or loss is, along with your employer’s name and contact information. We will contact them to confirm.
  • HomesRI COVID-19 Fact Sheet on Evictions for Renters

Participants in the Continuum of Care program should contact their service provider directly.

Landlords and Property Owners/Agents

 

Updated: March 30, 2021

Eviction Moratorium: The CDC has  announced today an extension of the federal eviction moratorium through July 31, 2021, and greater enforcement of the moratorium’s protection. In an effort to prevent the further spread of COVID-19, the Centers for Disease Control and Prevention (CDC), announced in September of last year an emergency public health order, which temporarily halts most evictions for nonpayment of rent. Under the order, renters who earn less than $99,000 annually (or $198,000 for a married couple household) are eligible for the moratorium. Renters must provide their landlord with an affidavit stating that they have sought government assistance for rent or housing; are unable to pay rent due to a substantial loss in income or because of extraordinary out-of-pocket medical expenses; are making their best effort to make partial rent payments, and would be faced with homelessness or overcrowding as a result of the eviction.

The moratorium does not change the obligations of tenants to eventually pay their rent or any late fees that may accrue. More information on the moratorium is available in the federal register here or in this frequently asked questions resource.


 

Landlords with tenants who are having trouble paying their rent can work with them to find resources that may be available to provide rental assistance. These include:

Landlords who are having trouble paying their mortgage, should contact their mortgage servicer to see what resources may be available to assist them. Owners of 1-4 unit properties who live in the property as their primary residence may also be eligible for mortgage assistance through the Hardest Hit Fund. More information on the program is available here.


 

Updated July 1, 2020

On March 27, 2020, the President signed the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This legislation provided the U.S. Department of Housing and Urban Development (HUD) the ability to waive statute or regulations to allow alternative requirements. This provided public housing authorities, such as RIHousing, with flexibilities necessary to respond to COVID-19. RIHousing has opted to use some of the waivers that were granted. Click here for details. 


 

Information for HCVP/Continuum of Care/RoadHome Landlords

  • Landlord Payments: RIHousing has designated essential staff to work remotely and ensure that rent payments are not interrupted. We have set up a designated email for families to report reduction in income related to COVID-19 so we can expedite the rent adjustments.
  • Normal Inspections: RIHousing will continue initial move-in inspections, so long as the unit is vacant. All other inspections (annual/bi-annual/special) will be postponed 60 days from this notice. If a tenant is reporting a 24-hour violation, we will accept videos and/or photos of the condition and will contact landlord immediately to have the condition addressed.
  • Tenant Complaint Inspections: The decision to conduct these inspections will be made on a case-by-case basis. Factors to be considered will include, severity of alleged issue (e.g. is it a life and safety issue), occupancy of the building (e.g. is the building age-restricted or otherwise occupied by particularly vulnerable populations), etc.

Information for Owner/Agents of Multifamily Housing

HomeSafe Initiative

 

Through the below partners, RIHousing has launched the HomeSafe Initiative, which provides one-time temporary financial assistance (maximum of $2,000) to eligible Rhode Island residents facing a short-term housing crisis. Assistance is available for COVID-19 and non-COVID-19 emergencies.

If you would like to learn more, or apply for assistance, please contact one of the below organizations. This information will be updated often, so please check back if the organization serving your community is not currently accepting applications.

 

Comprehensive Community Action Program
Currently accepting applications. To apply, call 401-467-7013

 

Servicing residents in East Greenwich, Warwick and West Warwick

West Bay Community Action Program
Currently accepting applications. To apply, please call or email the following:

lpereira@westbaycap.org or 401-921-5227
jgoves@westbaycap.org or 401-921-5165

 

Serving residents in Newport:

Church Community Housing Corporation
Currently accepting applications. Click here for more information.
HomeSafe Flyer     Download Application (PDF)

 

Safe Harbor Housing Program

 

January 4, 2021

The Safe Harbor Housing program is no longer accepting NEW applications. If you are facing a short-term housing crisis, please click HERE to learn about the HomeSafe Initiative.

 

If you need assistance, please reach out: 401-457-1234 

For Renters & Landlords: RentReliefRI

COMING SOON: Homeowner Assistance Fund Rhode Island (HAFRI)

Important Forbearance Information for Homeowners

UPDATED: 06/24/2021

Homeowners who are at the end of their forbearance period under the CARES Act will need to start resuming mortgage payments.

Click here to learn more.