COVID-19 Resource Guide
November 15, 2023 4-minute read
Author: Kevin Graham
*Originally published March 2020; Updated October 2023. For the most up-to-date information about COVID-19 and mortgage assistance, contact your mortgage servicer.
COVID-19, also known as coronavirus, has transformed our daily lives and routines. Here's what you need to know so you can make the best decisions about your home loan and finances.
Starting A New Loan
There's much about our lives that has changed in the last year, but one thing that will never change is our commitment to providing you with the best possible mortgage experience. We can guide you from application to closing while keeping you and your family safe.
See What You Qualify For
Congratulations! Based on the information you have provided, you are eligible to continue your home loan process online with Rocket Mortgage.
If a sign-in page does not automatically pop up in a new tab, click here
Closings And Home Appraisals
We’re taking every precaution to make sure appraisers and signing agents are clear of symptoms of COVID-19. In some cases, these agents may not need to enter the home at all.
If you’re currently having trouble making your mortgage payment, we’re here to help you.
How COVID-19 Mortgage Assistance Worked
Mortgage assistance provisions under the CARES Act ended in April 2023 with the ending of the national emergency. We've preserved the content below in order to inform clients who may be in an existing COVID-19 mortgage forbearance of their rights and inform them of next steps:
- The CARES Act provided a COVID-19 forbearance which created temporary relief by pausing mortgage payments for a set period.
- COVID-19 protections under the CARES Act ended in April of 2023. The last day to enter, reenter and extend your forbearance is dependent on investor.
- If you are currently in a COVID-19 forbearance you will need to speak with your servicer about next steps to exit the forbearance and start paying your mortgage again. Rocket Mortgage clients currently in need of assistance and not in a COVID-19 forbearance should fill out our Application for Success.
When your forbearance ends, we’re here to help you figure out how to bring your loan current. Here are some options you might have:
- With a repayment plan, we’ll add part of your past-due amount to your regular mortgage payment each month.
- With a deferral or partial claim, we’ll set all or part of your past-due amount aside to be paid later. It will be due when you pay off your mortgage, sell your home or refinance. You won’t be charged any interest on the deferred balance.
- With a loan modification, we’ll modify the terms of your existing loan to include your past-due payments.
You also have the option to pay the total past-due amount. This will bring your loan current right away.
Manage Your Mortgage Online
You can track your mortgage application and documents online with Rocket Mortgage by Quicken Loans®.
COVID-19 And Real Estate
Here's what you need to know about the way the real estate market has changed given the current situation with COVID-19.
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Helping Our Communities
During these challenging times, our top priority is the health and safety of the communities we serve. The Quicken Loans Community Fund and Gilbert Family Foundation have made a $1.2 million commitment to combat the effects of COVID-19 in Detroit.
Learn more about what we're doing to support health professionals during COVID-19. And read more about what the Rocket Mortgage Technology Team is doing to help the city of Detroit test patients efficiently with an open-source mass testing platform.