The COVID-19 pandemic has created serious financial obstacles, leaving many Americans unable to afford their monthly mortgage payments. In a time where everything is evolving quickly, it is more important than ever to have a full understanding of the kind of loan you hold, what kind of relief the federal government is offering, and how to communicate with your lender if you are unable to make your payment. If you have experienced a reduction in income due to the pandemic and cannot make your payments, please know that you are not alone. As a HUD-approved counseling agency, SSHC is here to help you if you have mortgage distress and need advocacy.