Help for Renters

Myths and Facts

  • MYTH: There is no sense in getting counseling because mortgage lenders just want to take homes back from delinquent borrowers and make a profit by selling them again.
  • FACT: Obtaining foreclosure prevention counseling is important for homeowners who have fallen behind in their mortgage payments. In many instances there are options about which homeowners are unaware. Since foreclosing on a home may result in a loss for the lender, mortgage holders are often willing to modify the terms of the loan, accept payment plans or take other steps to assist delinquent borrowers.
  • More Myths and Facts

Help for Renters

  • Introduction

    • In May 2009, a new federal law was passed to assist renters during foreclosure. Called the “Protecting Tenants at Foreclosure Act”, this law provides most renters with certain rights during foreclosure, namely, that most leases will survive foreclosure and the foreclosure sale purchaser becomes the new landlord. Most renters have the right to continue renting the property for the rest of their lease term, or at least to receive a 90-day notice to vacate after the foreclosure process is complete. You should seek legal advice to determine whether you have these legal rights under the new law. In the meantime, continue to pay your rent. Be certain to continue opening all mail addressed to “Occupant”, “Resident” or “Tenant”, as these notices are intended for you.

    • Facing Eviction or Need Advice on your Rights as a Tenant


      If you are in need of emergency housing or assistance through social services, please call the United Way/First Call for Help Hotline at 211 in most areas or:

      • 410-685-0525 - Greater Baltimore
      • 800-492-0618 - Outside Baltimore, within MD.

    • Resources for Renters in Foreclosure

    • Find a New Apartment

      MDHousingsearch.org – a free service sponsored by DHCD that lists rental properties throughout the state of Maryland.

    • Rental Assistance

      Are you in need of rental assistance? You may be eligible for DHCD’s Rental Allowance Program. For information regarding income limits, please visit the RAP information page. For assistance with the Rental Allowance Program, please contact one of the local Administering Agencies.