Frequently Asked Questions
For Property Owners Impacted by COVID-19
Updated April 14, 2020
What relief is available for property owners impacted by COVID-19?
Property owners impacted by COVID-19 may be eligible for temporary relief. The
federal, state, and local governments announced several protections. Whether your
loan is owned by the government, a national or state charter bank, or private institution,
you may be eligible to reduce or delay payments for up to 12 months. This type of
arrangement is called a Forbearance Plan/Agreement.
Furthermore, lenders may be limited in initiating foreclosures during the State of
Emergency related to COVID-19. Please contact the Los Angeles County Disaster Help
Center at (833) 238-4450, to assist you with inquiring about your eligibility or other
foreclosure avoidance options.
Will I be charged a late fee?
Depending on the assistance provided by your lender, late fees may be waived during
the agreement period.
Will my credit be impacted for not making payments?
Depending on the assistance provided by your lender, negative reporting to the credit
bureaus may be suspended for the duration of the agreement period.
What happens at the conclusion of the forbearance agreement?
Generally, all payments will be due at the conclusion of the agreement period. However,
it may be unfeasible for some property owners to make a large lump sum payment.
Lenders may offer a repayment plan or agree to modify the terms of your loan. Please
contact the Los Angeles County Disaster Help Center at (833) 238-4450, to assist you
with inquiring about your options.
What is considered a COVID-19 hardship?
A COVID-19 hardship could be; a reduction or loss of income due to reduced hours,
layoffs, or substantial decrease in business income caused by any local, state, or
federal government response to COVID-19, or if you or someone you are caring for is
being treated for the disease.
My property is currently in foreclosure, are there any protections for me?
If your property was in foreclosure prior to the pandemic/protection orders, you still may
be protected. If eligible, your foreclosure will be suspended for 60-days (foreclosure
moratorium). Please contact the Los Angeles County Disaster Help Center at (833)
238-4450, to assist you with inquiring about your eligibility.
I’m a landlord and my tenant’s inability to pay rent has created a financial
hardship for me. Can you help me?
Landlords in the unincorporated area of the County are prohibited from evicting tenants
impacted by COVID-19. The cities of Los Angeles, Santa Monica and West Hollywood
have implemented similar protections. To learn if the prohibition applies to you, please
contact the Los Angeles County Disaster Help Center at (833) 238-4450 or by email at
For assistance with your lender, please contact the Help Center at (833) 238-4450, to
assist you with inquiring about your options.