Guidelines for Mortgages Affected by COVID-19

Guidelines for Mortgages Affected by COVID-19

The Maryland Department of Housing and Community Development (DHCD) is committed to assisting our customers during these uncertain times. If you suspect you may have trouble making mortgage payments, be proactive. Reach out to your mortgage servicer (the company that processes your monthly mortgage payment) and explain your current situation to them.
Governor Hogan’s Executive Order on Foreclosure and Eviction Suspension in MD​.

​Governor Hogan (4/3/2020), issued an emergency order to provide additional and immediate financial relief for Marylanders facing economic hardship due to COVID-19. Nearly 70 of the state's banks and financial institutions have agreed to a program to provide a 90-day period of forbearance and deferral on mortgages.
See the emergency order​. ​​​​​

The Governor's emergency order for mortgage lenders:

  • Prohibits commercial and industrial evictions, expanding the previous order banning residential evictions. 
  • Mortgage lenders and servicers will provide up to a 90-day forbearance or deferral period for mortgage payments. 
  • Mortgage lenders and servicers will not charge late fees during the forbearance or deferral period. 
  • Mortgage lenders and servicers will not report negative information to the credit bureaus during the forbearance or deferral period. 
  • 90 Days Forbearance from Foreclosure Initiation.
    You must contact your financial services provider to take advantage of this relief.

Maryland Mortgage Program’s loan servicer contact information and COVID-19 specific links:

  1. Bank of America, contact them at 1-800-669-6607, or online
  2. U.S. Bank, contact them at 1-888-287-7817, or online.
  3. Dovenmuehle, Inc., contact them at 877-330-4064, or online
  4. AmeriNat, contact them at 1-800-943-1988, or email customerservice@amerinatls.com

Helpful Links: