Si usted es un propietario que está atrasado con el pago de su hipoteca por culpa de la pandemia, sepa que no está solo. Aunque la moratoria federal sobre las ejecuciones hipotecarias haya terminado, a partir del 31 de agosto del 2021, una nueva normativa ha entrado en vigencia para asegurar que los propietarios tengan una oportunidad real de permanecer en sus viviendas y evitar la ejecución. Por lo general, lo administradores hipotecarios están obligados a tomar ciertos pasos para ayudar a los propietarios a encontrar opciones para pagar sus préstamos. Si el administrador del suyo le contacta hacia el final de su aplazamiento, éste generalmente debe decirle: - La fecha en que su programa de aplazamiento terminará - Cuáles opciones tiene para hacer los pagos omitidos y evitar la ejecución - Información sobre cómo contactar servicios gratuitos de asesoría de vivienda (en inglés) Si usted no está en un aplazamiento, pero tiene problemas para pagar sus mensualidades, cuando el administrador le contacte, éste deberá también entregarle cierta información acerca de cuáles opciones tiene. El aplazamiento todavía podría ser una de ellas. En cualquier caso, si el administrador de su hipoteca está tratando de contactarle es importante que converse con ellos, la normativa establece que, si no logran contactarle luego de intentarlo por tres meses consecutivos, el administrador podría comenzar el proceso de ejecución hipotecaria. Además, mientras más pronto se conecte con el administrador de su hipoteca, más opciones podrían estar disponibles para usted, incluyendo: - Colocar los pagos omitidos al final del plazo del préstamo - Reducir sus pagos mensuales extendiendo el plazo de su préstamo - Vender su Vivienda Si el administrador no le describe sus opciones, usted también puede enviarnos una queja al CFPB: www.consumerfinance.gov/es/enviar-una-queja/ Sepa más acerca de las protecciones habitacionales federales y encuentre recursos para propietarios de vivienda: www.consumerfinance.gov/es/vivienda La Oficina para la Protección Financiera del Consumidor (CFPB, por sus siglas en inglés), es una agencia del gobierno Federal que se asegura de que bancos, prestamistas y otras compañías financieras, le traten de forma justa. Para saber cómo podemos ayudarle, visite: https://www.consumerfinance.gov/es/quienes-somos/ Conéctese con nosotros: https://www.consumerfinance.gov/es Twitter: https://twitter.com/CFPBespanol Facebook: https://facebook.com/CFPBespanol

Existen varias opciones para pagar un aplazamiento, pero cuáles estén disponibles para usted podría depender de quien respalde su hipoteca y de su situación particular. No hay una opción que sirva a todos por igual. Es importante que trabaje junto al administrador para que entienda el proceso considere sus siguientes pasos y comprenda cuál es la mejor opción de acuerdo a sus circunstancias para encontrar. #ProtejasuVivienda Para más información visite http://consumerfinance.gov/es/vivienda La Oficina para la Protección Financiera del Consumidor (CFPB, por sus siglas en inglés), es una agencia del gobierno Federal que se asegura de que bancos, prestamistas y otras compañías financieras, le traten de forma justa. Para saber cómo podemos ayudarle, visite: https://www.consumerfinance.gov/es/quienes-somos/ Conéctese con nosotros: https://www.consumerfinance.gov/es Twitter: https://twitter.com/CFPBespanol Facebook: https://facebook.com/CFPBespanol

There are a number of options for repaying forbearance, but which options are available to you may depend on who owns or backs your mortgage, your mortgage servicer and your particular situation. There is no one size fits all for options. It is important to work with your servicer to understand the process, consider your next steps and understand the best option for your circumstances. #ProtectYourHouse For more information, visit http://consumerfinance.gov/housing. The Consumer Financial Protection Bureau (CFPB), is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Learn how the CFPB can help you at https://www.consumerfinance.gov/about-us/ Connect with us: https://www.consumerfinance.gov/ Twitter: https://twitter.com/CFPB Facebook: https://facebook.com/CFPB

(Para ver subtítulos en español: Vaya a “Settings”, “Subtitles” y seleccione “Spanish”.) Starting your own business is a key part of the American Dream. Small businesses inspire innovation, grow the economy, and create meaningful job opportunities. As we work to regain our financial footing after the COVID-19 pandemic, strengthening our small businesses will make our economy stronger. Minority and women-owned businesses were hit especially hard during the pandemic, and we witnessed the barriers and challenges that commonly exist, especially in the financial marketplace. While fair and equitable access to credit is protected through our fair lending laws, we need more data and information to better understand the small business-lending landscape. If you’re an entrepreneur and small business owner, we want to hear your story! Tell us the triumphs and challenges of starting a business, including finding the capital you needed to bring your dream to life. Learn more at http://consumerfinance.gov/about-us/small-business-lending/ The Consumer Financial Protection Bureau (CFPB), is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Learn how the CFPB can help you at https://www.consumerfinance.gov/about-us/ Connect with us: https://www.consumerfinance.gov/ Twitter: https://twitter.com/CFPB Facebook: https://facebook.com/CFPB

If you’re a homeowner behind on your mortgage payments because of the pandemic, you’re not alone. The federal moratorium on foreclosures has ended, but as of August 31, 2021, a new rule is in place to ensure homeowners have a meaningful opportunity to stay in their homes and avoid foreclosure. In general, mortgage servicers are required to take certain steps to help homeowners in forbearance find options for repaying their loan. If your servicer makes contact with you near the end of your forbearance, they generally must tell you: - The date your forbearance program will end - Your options for repaying your missed payments and avoiding foreclosure - Information on how to contact free housing counseling services If you are not in forbearance but struggling to make your monthly payments when your servicer reaches you, they also have to provide some information about your options. Forbearance may still be an option for you. Either way, if your servicer is trying to reach you, it’s important to talk with them—under the rule, a servicer may be able to start the foreclosure process if they’re unable to reach you after trying for three consecutive months. Also, the sooner you connect with your servicer, the more options may be available to you, including: - Tacking any missed payments onto the back end of the loan, - Lowering your monthly payments by extending the time you have to pay back your loan, OR - Selling your home If your servicer doesn’t describe your options, you can also submit a complaint to the CFPB: http://consumerfinance.gov/complaint. Learn more about federal housing protection and find resources for homeowners: https://consumerfinance.gov/housing

If you’re having trouble making rent payments, you’re not alone. We know that renters and landlords are having trouble covering housing costs during the pandemic. Help is available. As a renter—or a landlord—you can apply for money to cover rent, utilities, and even moving costs. Use our tool to find your local rental assistance program. For more information, visit http://www.consumerfinance.gov/renthelp. The Consumer Financial Protection Bureau (CFPB), is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Learn how the CFPB can help you at https://www.consumerfinance.gov/about-us/ Connect with us: https://www.consumerfinance.gov/ Twitter: https://twitter.com/CFPB Facebook: https://facebook.com/CFPB

Consumer Financial Protection Bureau (CFPB) facilitates a webinar with guest speaker Betsy Mayotte of The Institute of Student Loan advisors. The webinar focuses on tips on what to avoid to prevent being a victim of student loan debt relief scams. For more information, visit https://go.usa.gov/x6Hgc. The Consumer Financial Protection Bureau (CFPB), is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Learn how the CFPB can help you at https://www.consumerfinance.gov/about-us/ Connect with us: https://www.consumerfinance.gov/ Twitter: https://twitter.com/CFPB Facebook: https://facebook.com/CFPB

In this webinar, brought to you by Consumer Financial Protection Bureau’ Section for Students and Young Consumers, Policy Analysts Brian Stone and Kate Mullan, important information to consider when applying for Financial Aid. This webinar includes answers to frequently asked questions from Parents and Students with regards to getting financial aid to pay for school and a demo of CFPB’s tool, Grad Path. Grad Path is a tool that was created to help students and their families take a financial aid offer letter and turn it into a plan to pay for school. For more information, visit https://go.usa.gov/x6fyR The Consumer Financial Protection Bureau (CFPB), is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Learn how the CFPB can help you at https://www.consumerfinance.gov/about-us/ Connect with us: https://www.consumerfinance.gov/ Twitter: https://twitter.com/CFPB Facebook: https://facebook.com/CFPB