Resources for Coping with the Impact of COVID-19

 

We are living in challenging times. We understand that the ongoing measures to stop the spread of COVID-19 are having a direct, negative effect on each of us.

At NHSSF, we want to let you know that you are not alone, whether you are an individual, a family, or a small business.

We came up with a list of online resources to help Miami-Dade and Broward residents to cope with this crisis.

I have lost my income

Capital Good Fund is a nonprofit, certified Community Development Financial Institution (CDFI) that helps people fix their finances. CDFI is currently offering three small loan programs for individuals as well as personalized financial and health coaching to families in Florida and other states across the U.S.

You can find more information about the Crisis Relief, Immigration, and Vehicle Purchase or Refinance loan programs here.

 

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I can’t pay the rent

Due to the statewide expired moratorium on evictions by October 1, many South Florida families face a major threat. They may be on the verge of being evicted from their homes.

Fortunately, there is a separate FEDERAL EVICTION MORATORIUM ordered by the Centers for Disease Control (CDC) that remains in effect until December 31, 2020, and may offer some protection.

Stay in your home through December 30, 2020, even if you are behind on rent. Follow the link to more info: https://www.covid19evictionforms.com/am-i-eligible.

You can check the latest updates and tips for renters and eviction protection following this link: 'Expert Chats' on rents and evictions or by visiting the Community Justice Project, a South Florida nonprofit keeping track of these policy changes.

Homeowners and renters impacted by the COVID-19 pandemic now have access to the latest information on housing assistance on the new pagehttps://www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/ 

 

The Consumer Financial Protection Bureau, Federal Housing Finance Agency and Department of Housing and Urban Development created the page to help affected homeowners and renters through the relief process by consolidating CARES Act mortgage relief information, protections for renters, resources for additional help, and information on how to avoid COVID-19 related scams into one central location. This new website also has tools for homeowners to determine if their mortgage is federally backed -and renters can find out if their rental units are financed- by FHA, Fannie Mae, or Freddie Mac.

 

In November 2020, several municipalities within Miami-Dade County created the Municipality Housing Assistance Program (HAP) using CARES Act Funds. You can get up to $6,000 for rent or mortgage payments if you are behind due to the pandemic. All the information here: https://www.miamidadecovidrelief.org/.

 

If you need legal help to stop a foreclosure or eviction process in Miami-Dade, you can apply for legal assistance following this link: https://floi.legalserver.org/modules/matter/extern_intake.php?pid=38&h=757e8c.

 

If you are a Broward resident and are experiencing difficulties paying your rent or mortgage due to Covid-19, Broward County has two assistance programs available until funds run out. Please click on the links for more information:

CDBG Funds

https://www.broward.org/FamilySuccess/Pages/CDBG.aspx#:~:text=The%20Family%20Success%20Administration%20Division,to%20help%20with%20rent%20assistance

SHIP Funds

https://www.broward.org/FamilySuccess/Pages/shipfunds.aspx

 

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I can't pay the mortgage

Homeowners and renters impacted by the COVID-19 pandemic now have access to the latest information on housing assistance on the new pagehttps://www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/

 

The Consumer Financial Protection Bureau, Federal Housing Finance Agency and Department of Housing and Urban Development created the page to help affected homeowners and renters through the relief process by consolidating CARES Act mortgage relief information, protections for renters, resources for additional help, and information on how to avoid COVID-19 related scams into one central location. This new website also has tools for homeowners to determine if their mortgage is federally backed -and renters can find out if their rental units are financed- by FHA, Fannie Mae, or Freddie Mac.

 

If Fannie Mae owns your loan, they’ve created a loan lookup tool with which you can check if you qualify for programs providing payment relief due to COVID-19, like a forbearance plan or loan modification program.

 

Citibank's individual and Small Business customers impacted by COVID-19 may be eligible for the following assistance, effective Monday, March 9, 2020, for an initial 30 days:

  • Retail Bank: Fee waivers on monthly service fees; waived penalties for early CD withdrawal.
  • For eligible Credit Card Customers: Credit line increases and collection forbearance programs
  • For eligible Mortgage Customers: A range of hardship programs through our service provider, Cenlar FSB.

Citi Bank is offering, upon request, COVID-19 related assistance. Click here for more info.

 

Miami-Dade County is providing several Housing and Rental Assistance programs. For more information please follow this link: https://www.miamidade.gov/global/initiatives/coronavirus/assistance/housing.page

 

If you are a Broward resident and are experiencing difficulties paying your rent or mortgage due to Covid-19, Broward County has two assistance programs available until funds run out. Please click on the links for more information:

CDBG Funds

https://www.broward.org/FamilySuccess/Pages/CDBG.aspx#:~:text=The%20Family%20Success%20Administration%20Division,to%20help%20with%20rent%20assistance

SHIP Funds

https://www.broward.org/FamilySuccess/Pages/shipfunds.aspx

 

If the coronavirus has made it difficult to pay your mortgage these are 5 steps to take to request mortgage relief. The video has been created by the Consumer Financial Protection Bureau.

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I can't pay my utility bills

If you are a Homestead resident, you can apply for a grant to pay utility bills. More info here: https://homesteadfl.seamlessdocs.com/f/crarentutilities.

If you are a City of North Miami resident, you can apply for some assistance to pay your water utility bill. More info here: https://www.axishelps.org/rent-and-housing-relief/water-bill-assistance-for-residents-of-north-miami.

I have children and need assistance for my family

Low-income families with children can get financial help from the state's cash assistance program, formerly known as welfare. The Temporary Cash Assistance program provides short-term financial aid to families with children under the age of 18, including single moms and dads as well as pregnant women. The program mandates self-sufficiency, i. e., job training, work requirements, and other objectives must be met.

The ACCESS Florida program is available online and also by phone at 1-850-300-4323, ext. 4323.

The Florida Department of Health in Miami-Dade WIC program provides healthy food, nutrition education, breastfeeding support, and family resources to women, infants, children, and families in Miami-Dade County. Pregnant or recently postpartum women or caretakers of children under age 5 are eligible to apply, by appointment only.
Call 786-336-1300 for more info.

New Horizons provides medication maintenance to income-eligible Miami-area residents. Call 305-635-7444 or visit www.newhorizonscmhc.org. 

Camillus Health Concern is providing medication at no cost for Miami-area residents who have no other resources or are homeless. Call 305-577-4840 or visit http://camillushealth.org/.

 

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I need food (for my family and myself)

If you need to secure food for you or your family, you should apply for the Food Assistance Program (SNAP) immediately. The food assistance provided can be used for buying bread, cereals, fruits, vegetables, meat, and dairy, among other products. New customers are welcome to apply (people with or whose dependents have now reduced pay/hours). If you apply for SNAP online, you can access multiple benefits in one application. Customer call center is available at 850-300-4323.

Besides, the larger food banks in South Florida are directly distributing fresh food to those who need it most. Below you will find links to Feeding South Florida and Farm Share distribution calendars for April.

 

The Salvation Army of Miami offers bags of food to Miami-area residents in need every week during the COVID-19 outbreak. Food assistance is available by appointment only. To find a Community Center near you, visit https://salvationarmyflorida.org/miami-ac/#about-us.

Finally, Miami-Dade County is providing free meals for the elderly through its program Meals on Wheels. Eligible Meals on Wheels participants receive seven free frozen meals each week at their residence, along with fresh fruit, milk, and other food items. The meals are delivered between 8 a.m. and 5 p.m. on weekdays. For more info, please call 786-469-4707 or visit Meals for the Elderly

 

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I am seeking assistance for students

For the latest updates regarding the reopening of schools for the 2020-2021 school year visit:

Miami-Dade: http://reopening.dadeschools.net/

Broward: http://reopening.dadeschools.net/

 

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I need support for my business

CareerSource South Florida is offering some support to small business and/or community based organizations within Miami-Dade and Monroe Counties through its COVID-19 Layoff Aversion Fund. More info: http://www.careersourcesfl.com/layoffaversion/

 

Axis South Florida is an online platform, created by Microsoft in collaboration with Citi that provides simple, easy-to-understand information and support to help South Florida small businesses and nonprofits secure the economic support they need to withstand the COVID-19 crisis and emerge stable.

 

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How to make a mask / Additional support

Americans are increasingly adopting the use of cloth face masks to slow the spread of COVID-19, and the latest science may convince even more to do so.  To follow both health officials’ recommendations and have a mask on hand whenever you need to go out: Make a mask for yourself.

There is still a way to follow both health officials’ recommendations and have a mask on hand whenever you need to go out: Do a mask for yourself.

The Washington Post proposes the following design/fabrics:

Click Here to Watch a Video Tutorial

But if you find the tutorial “How to sew a face mask” too complicated, CDC has a few patterns for you to follow, and there’s even a video from General Jerome Adams showing him making a mask out of cloth and rubber bands only.

 

Help from pastors and emotional care workers is now available through a support hotline launched by the Salvation Army USA.

The hotline number is 1-844-458-HOPE (4673). Workers will be on duty from 9 a.m. to 9 p.m. Counselors are available for callers who speak English and Spanish. People can leave a message after hours. You can visit www.SalvationArmyFlorida.org/pray and request a pastor to call.

 

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