COVID-19 INFORMATION

If you have any questions or concerns regarding the important matters herein, please feel free to contact Link to /attorneys/robin-p-wrightLink to /attorneys/robin-p-wrightLink to /attorneys/robin-p-wrightLink to /attorneys/robin-p-wrightLink to /attorneys/robin-p-wrightLink to /attorneys/robin-p-wrightLink to /attorneys/robin-p-wrightLink to /attorneys/robin-p-wrightLink to /attorneys/robin-p-wrightLink to /attorneys/robin-p-wrightLink to /attorneys/robin-p-wrightLink to /attorneys/robin-p-wrightLink to /attorneys/robin-p-wrightLink to /attorneys/robin-p-wrightLink to /attorneys/robin-p-wrightLink to /attorneys/robin-p-wrightLink to /attorneys/robin-p-wrightLink to /attorneys/robin-p-wrightLink to /attorneys/robin-p-wrightLink to /attorneys/robin-p-wrightLink to /attorneys/robin-p-wrightLink to /attorneys/robin-p-wrightLink to /attorneys/robin-p-wrightRobin Wright, Link to /attorneys/michelle-a-mierzwaLink to /attorneys/michelle-a-mierzwaLink to /attorneys/michelle-a-mierzwaLink to /attorneys/michelle-a-mierzwaLink to /attorneys/michelle-a-mierzwaLink to /attorneys/michelle-a-mierzwaLink to /attorneys/michelle-a-mierzwaLink to /attorneys/michelle-a-mierzwaLink to /attorneys/michelle-a-mierzwaLink to /attorneys/michelle-a-mierzwaLink to /attorneys/michelle-a-mierzwaLink to /attorneys/michelle-a-mierzwaLink to /attorneys/michelle-a-mierzwaLink to /attorneys/michelle-a-mierzwaLink to /attorneys/michelle-a-mierzwaLink to /attorneys/michelle-a-mierzwaLink to /attorneys/michelle-a-mierzwaLink to /attorneys/michelle-a-mierzwaLink to /attorneys/michelle-a-mierzwaLink to /attorneys/michelle-a-mierzwaLink to /attorneys/michelle-a-mierzwaLink to /attorneys/michelle-a-mierzwaLink to /attorneys/michelle-a-mierzwaMichelle Mierzwa or Link to /attorneys/t-robert-finlayLink to /attorneys/t-robert-finlayLink to /attorneys/t-robert-finlayLink to /attorneys/t-robert-finlayLink to /attorneys/t-robert-finlayLink to /attorneys/t-robert-finlayLink to /attorneys/t-robert-finlayLink to /attorneys/t-robert-finlayLink to /attorneys/t-robert-finlayLink to /attorneys/t-robert-finlayLink to /attorneys/t-robert-finlayLink to /attorneys/t-robert-finlayLink to /attorneys/t-robert-finlayLink to /attorneys/t-robert-finlayLink to /attorneys/t-robert-finlayLink to /attorneys/t-robert-finlayLink to /attorneys/t-robert-finlayLink to /attorneys/t-robert-finlayLink to /attorneys/t-robert-finlayLink to /attorneys/t-robert-finlayLink to /attorneys/t-robert-finlayLink to /attorneys/t-robert-finlayLink to /attorneys/t-robert-finlayRobert Finlay.

Quick Links

Because Your Concern is Our Concern

In its effort to prevent the spread of the COVID-19 virus, and in order to keep up to date on all mandates, Wright, Finlay & Zak, LLP (“WFZ”) continues to monitor the latest COVID-19 developments from the Link to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to https://www.cdc.govLink to 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And, in order to provide for the safety of our employees while maintaining continued business operations, we have implemented applicable provisions of our Continuity and Recovery Plan (CRP).

Most critically, our CRP includes the immediate implementation of remote work access for all firm attorneys and management, and other key staff. These employees are equipped to securely work from their respective homes to ensure the continuity of business operations and the high level of service we provide to our clients. As the situation evolves, such that it would negatively impact one or more of our office locations, our Operations Manager is equipped to enable more employees as needed to securely work from their respective homes. Currently, most of WFZ's employees are working from home. Any WFZ employee still working in the office(s) must follow the recommendations of the CDC, WHO, and government agencies for preventive action and social distancing.

WFZ regularly communicates with its employees on taking the necessary precautions, such as limiting or eliminating unnecessary business travel, utilizing telephonic court appearances, eliminating inter-office gatherings, distancing at least 6’, recommending that employees stay at home if they feel ill or are exhibiting cold symptoms, coughing/sneezing into elbow, avoiding hand shaking, and exhibiting proper hand-washing and sanitation practices.

At this time, WFZ is not granting access to our suites to outside visitors, and even essential vendors (e.g., mail, FedEx, office suppliers, etc.) are prohibited from accessing our work areas. Drop offs are limited to either reception or outside the office doors. The firm also tracks its vendors’ continuity plans.

Although there have been no suspected or confirmed cases of COVID-19 on WFZ employees, WFZ continues to take aggressive action to safeguard its employees while continuing to provide quality legal services to our clients. Please check back for updates as this situation continues to unfold. 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mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netLink to mailto:rwright@wrightlegal.netRobin Wright.

UPDATED: April 17, 2020


Wright, Finlay & Zak's COVID-19 Update: July 29, 2020

July 29, 2020

Washington Extends Eviction Moratorium Through October 15th and Pauses Reopening
On July 24, 2020, Washington’s Governor announced various extensions to its phased reopening plan, including an extension of the existing moratorium on evictions. Also on July 24, the Governor issued Proclamation 20-19.3 on “Evictions and Related Housing Practices” including measures “to temporarily prohibit residential evictions and temporarily impose other related prohibitions statewide until 11:59 p.m. on October 15, 2020.” Link to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.3%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.3%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.3%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.3%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.3%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.3%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.3%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryClick here to review a copy of the Proclamation.

The Governor also announced on July 28, 2020 that in an effort to slow the spread of the virus, he would pause the reopening process for counties indefinitely at their current phase. The majority of counties in the state were in Phases 2 and 3, with only a handful of counties remaining in Phase 1. Link to https://www.wrightlegal.net/documents/covid19/WA-Safe-Start-phases-status-July-2.pdfLink to https://www.wrightlegal.net/documents/covid19/WA-Safe-Start-phases-status-July-2.pdfLink to https://www.wrightlegal.net/documents/covid19/WA-Safe-Start-phases-status-July-2.pdfLink to https://www.wrightlegal.net/documents/covid19/WA-Safe-Start-phases-status-July-2.pdfLink to https://www.wrightlegal.net/documents/covid19/WA-Safe-Start-phases-status-July-2.pdfLink to /documents/covid19/WA-Safe-Start-phases-status.pdfLink to /documents/covid19/WA-Safe-Start-phases-status.pdfClick here to review a chart identifying the most recent Phase by county as of July 29, 2020. As a reminder, public gatherings are now limited to ten (10) people (down from 50 prior to July 20th) in Phase 3, five (5) people in Phase 2, and no public gatherings are allowed in Phase 1. Link to https://coronavirus.wa.gov/sites/default/files/2020-07/PhasedChart_7-24.pdfLink to https://coronavirus.wa.gov/sites/default/files/2020-07/PhasedChart_7-24.pdfLink to https://coronavirus.wa.gov/sites/default/files/2020-07/PhasedChart_7-24.pdfLink to https://coronavirus.wa.gov/sites/default/files/2020-07/PhasedChart_7-24.pdfLink to https://coronavirus.wa.gov/sites/default/files/2020-07/PhasedChart_7-24.pdfLink to https://coronavirus.wa.gov/sites/default/files/2020-07/PhasedChart_7-24.pdfLink to https://coronavirus.wa.gov/sites/default/files/2020-07/PhasedChart_7-24.pdfClick here to review a chart identifying allowable activities by Phase. Thus, the ability to conduct foreclosure auctions in the state arguably remains limited by county and local restrictions.

Arizona Supreme Court Issues Follow-up Administrative Order
As previously reported, on July 16, 2020, Arizona’s Governor issued Executive Order 2020-49 extending the delay on certain eviction processes from July 23, 2020 to October 31, 2020. Following the Executive Order, on July 22, 2020, the Arizona Supreme Court issued an updated Administrative Order 2020-119 in accord (replacing Order 2020-105). The updated Order also extended the excluded time calculation for required court eviction proceedings to be March 18, 2020 through December 15, 2020, giving courts more time to schedule matters. Link to http://www.azcourts.gov/Portals/22/admorder/Orders20/2020-119FINAL.pdf?ver=2020-07-28-110618-610Link to http://www.azcourts.gov/Portals/22/admorder/Orders20/2020-119FINAL.pdf?ver=2020-07-28-110618-610Link to http://www.azcourts.gov/Portals/22/admorder/Orders20/2020-119FINAL.pdf?ver=2020-07-28-110618-610Link to http://www.azcourts.gov/Portals/22/admorder/Orders20/2020-119FINAL.pdf?ver=2020-07-28-110618-610Link to https://urldefense.com/v3/__http:/www.azcourts.gov/Portals/22/admorder/Orders20/2020-119FINAL.pdf?ver=2020-07-28-110618-610__;!!COskAx4!Vc0x8dVRxtCPjNsFmlW5NaRHag__ylnoVkzGUOxAWH9j8UUYev_Nnn3PolGxbN93udpKcg$Link to https://urldefense.com/v3/__http:/www.azcourts.gov/Portals/22/admorder/Orders20/2020-119FINAL.pdf?ver=2020-07-28-110618-610__;!!COskAx4!Vc0x8dVRxtCPjNsFmlW5NaRHag__ylnoVkzGUOxAWH9j8UUYev_Nnn3PolGxbN93udpKcg$Link to https://urldefense.com/v3/__http:/www.azcourts.gov/Portals/22/admorder/Orders20/2020-119FINAL.pdf?ver=2020-07-28-110618-610__;!!COskAx4!Vc0x8dVRxtCPjNsFmlW5NaRHag__ylnoVkzGUOxAWH9j8UUYev_Nnn3PolGxbN93udpKcg$Click here to review a copy of the updated Order.


Wright, Finlay & Zak's COVID-19 Update: July 21, 2020

July 21, 2020

Oregon Legislature Enacts Eviction Moratorium
Building off its recent foreclosure moratorium, the Oregon legislature passed HB 4213, enacting an eviction moratorium to replace the temporary eviction moratorium established by the Governor’s (now rescinded) Order. Under the Bill, which applies to both residential and commercial tenancies, and which is effective from June 30 to September 30, 2020, a landlord may not: 1) deliver a notice of termination for non-payment; 2) initiate or continue a pending eviction action based on a notice of termination for non-payment delivered after April 1, 2020; 3) assess any late fees or penalties for nonpayment; or 4) report nonpayment as a delinquency to consumer credit reporting.

Once the emergency period ends, the tenant will have six months to repay the “nonpayment balance” without interest or penalty, with future payments to be applied first to current rent, then to associated fees and costs, and then to the balance of unpaid rent from the emergency period.

Unfortunately, it is currently unclear whether the court will apply the Bill’s restrictions to post foreclosure matters, which do not involve the typical landlord/tenant relationship.

Because Oregon triggers tenants’ rights (particularly with respect to prohibitions on no-cause evictions) in residential properties when a tenant occupies a premises for more than 12 months, the statute has a tolling feature that tolls the deadline for any notice of termination with respect to a tenancy if the 12th month would have fallen during the emergency period. Therefore, a landlord can deliver that notice within 30 days of expiration of the emergency period and still will be deemed to have given notice of termination within the initial 12 months of tenancy. Link to https://olis.oregonlegislature.gov/liz/2020S1/Downloads/MeasureDocument/HB4213Link to https://olis.oregonlegislature.gov/liz/2020S1/Downloads/MeasureDocument/HB4213Link to https://olis.oregonlegislature.gov/liz/2020S1/Downloads/MeasureDocument/HB4213Link to https://olis.oregonlegislature.gov/liz/2020S1/Downloads/MeasureDocument/HB4213Link to https://olis.oregonlegislature.gov/liz/2020S1/Downloads/MeasureDocument/HB4213Link to https://olis.oregonlegislature.gov/liz/2020S1/Downloads/MeasureDocument/HB4213Link to https://olis.oregonlegislature.gov/liz/2020S1/Downloads/MeasureDocument/HB4213Link to https://olis.oregonlegislature.gov/liz/2020S1/Downloads/MeasureDocument/HB4213Link to https://olis.oregonlegislature.gov/liz/2020S1/Downloads/MeasureDocument/HB4213Link to https://olis.oregonlegislature.gov/liz/2020S1/Downloads/MeasureDocument/HB4213Link to https://olis.oregonlegislature.gov/liz/2020S1/Downloads/MeasureDocument/HB4213Click here to review a copy of the Bill.

Arizona Updates Eviction Prohibitions and Processes
On July 16, 2020, Arizona’s Governor issued Executive Order 2020-49 extending the delay on certain eviction processes from July 23, 2020 to October 31, 2020. Unless enforcement is necessary in the interest of justice or for health and safety reasons, the Order requires delay of enforcement of a Writ of Restitution if the occupant provides (1) written notice and supporting documents of COVID-19 related financial hardship (job loss, income reduction, office closure, child care obligations, etc.) due to specified quarantine-related, COVID-19 diagnosis or health condition risks and to obtain relief after 8/21/20; and (2) proof of submission of an Application for Rental Assistance under a state, city or county non-profit program. That said, even without all the proof required above, judges may be hesitant to grant a Motion to Enforce Writ of Restitution without first giving occupant a chance to comply. Link to /documents/covid19/eo2020-49.pdfLink to /documents/covid19/eo2020-49.pdfLink to /documents/covid19/eo2020-49.pdfLink to /documents/covid19/eo2020-49.pdfLink to /documents/covid19/eo2020-49.pdfLink to /documents/covid19/eo2020-49.pdfLink to /documents/covid19/eo2020-49.pdfLink to /documents/covid19/eo2020-49.pdfLink to /documents/covid19/eo2020-49.pdfLink to /documents/covid19/eo2020-49.pdfLink to /documents/covid19/eo2020-49.pdfClick here to review a copy of the Order.

Moreover, previously on July 7, 2020, the Arizona Supreme Court issued an Administrative Order regarding “Disposition of Residential Evictions During the COVID-19 Emergency.” Highlights of the Order include the following:

  • A complaint seeking eviction for non-payment of rent between 3/27/20 27 and 7/25/20 (or any later expiration of the CARES Act) shall attest in the complaint or by other written means that the property in which the tenant resides is not covered by the CARES Act.
  • Limits schedule of hearings to no more than 25 eviction cases in an hour on the court’s calendar, which shall allocate sufficient time for all parties appearing telephonically or in person to present evidence.
  • At initial eviction hearings, attorneys for Plaintiff “shall attest on the record to their compliance with all requirements of applicable eviction statutes and rules adopted by the supreme court.”

Thus, while evictions are not per se prohibited in Arizona, there remain procedural hurdles to secure judgment and enforcement of a writ of restitution. Link to http://www.azcourts.gov/Portals/22/admorder/Orders20/2020-105Final.pdf?ver=2020-07-07-153304-167Link to http://www.azcourts.gov/Portals/22/admorder/Orders20/2020-105Final.pdf?ver=2020-07-07-153304-167Link to http://www.azcourts.gov/Portals/22/admorder/Orders20/2020-105Final.pdf?ver=2020-07-07-153304-167Link to http://www.azcourts.gov/Portals/22/admorder/Orders20/2020-105Final.pdf?ver=2020-07-07-153304-167Link to http://www.azcourts.gov/Portals/22/admorder/Orders20/2020-105Final.pdf?ver=2020-07-07-153304-167Link to http://www.azcourts.gov/Portals/22/admorder/Orders20/2020-105Final.pdf?ver=2020-07-07-153304-167Link to http://www.azcourts.gov/Portals/22/admorder/Orders20/2020-105Final.pdf?ver=2020-07-07-153304-167Link to http://www.azcourts.gov/Portals/22/admorder/Orders20/2020-105Final.pdf?ver=2020-07-07-153304-167Link to http://www.azcourts.gov/Portals/22/admorder/Orders20/2020-105Final.pdf?ver=2020-07-07-153304-167Link to http://www.azcourts.gov/Portals/22/admorder/Orders20/2020-105Final.pdf?ver=2020-07-07-153304-167Link to http://www.azcourts.gov/Portals/22/admorder/Orders20/2020-105Final.pdf?ver=2020-07-07-153304-167Click here to review a copy of the Order.

***IN CASE YOU MISSED IT***

HUD Issues Guidance Regarding COVID-19-related Loss Mitigation Alternatives
On July 8, HUD issued Mortgagee Letter 20-22, informing lenders of available loss mitigation options for borrowers who were current or less than 30 delinquent as of March 1, 2020. Lenders are required to offer eligible borrowers the COVID-19 Loss Mitigation Options and procedures no later than 90 days from the date of the Mortgagee Letter, but may begin offering the new options immediately. In addition to the COVID-19 Forbearance and COVID-19 Standalone Partial Claim, the following COVID-19 Home Retention and Disposition Options will also be available:

  • COVID-19 Owner-Occupant Loan Modification
  • COVID-19 Combination Partial Claim and Loan Modification
  • COVID-19 FHA-HAMP Combination Loan Modification and Partial Claim with Reduced Documentation
  • COVID-19 Non-Occupant Loan Modification
  • COVID-19 Pre-Foreclosure Sale (PFS)
  • COVID-19 Deed-in-Lieu (DIL) of Foreclosure

Link to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-22hsgml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-22hsgml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-22hsgml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-22hsgml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-22hsgml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-22hsgml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-22hsgml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-22hsgml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-22hsgml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-22hsgml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/20-22hsgml.pdfClick here to review a copy of the Mortgagee Letter with additional details and requirements.

VA Issues Updates on Impact of CARES Act Forbearance on VA Purchase and Refinance Transactions
On June 30, 2020, the VA issued Circular 26-20-25, advising of its intent to offer flexibility to borrowers with respect to availability of financing despite the use of a COVID Forbearance Program. “VA is temporarily relaxing certain credit underwriting policies for VA-guaranteed purchase and cash-out refinance loans. While lenders must continue to follow VA’s underwriting standards generally, lenders should not use a CARES Act forbearance as a reason to deny a Veteran a VA-guaranteed loan…VA will not consider a Veteran as an unsatisfactory credit risk, based solely upon the fact that the Veteran received some type of credit forbearance or experienced some type of deferred payment during the COVID-19 national emergency.” Among other items, advance approval requirements for refinance of specified delinquent loans are temporarily waived. The Circular was effective immediately and applied to any loan closed on or the day after this Circular was signed. The policies outlined in the Circular will remain in place until further notice or the Circular is rescinded (currently set for July 1, 2021). Link to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-20-25.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-20-25.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-20-25.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-20-25.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-20-25.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-20-25.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-20-25.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-20-25.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-20-25.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-20-25.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-20-25.pdfClick here to review a copy of the Circular.

FHFA Announces Extension to Loan Origination Flexibility Regarding Borrowers in COVID-19 Forbearance
On July 9, 2020, FHFA announced it would extend through August 31, 2020 the existing flexibility it has offered to borrowers with respect to loan origination. Extended flexibilities include:

  • Alternative appraisals on purchase and rate term refinance loans;
  • Alternative methods for documenting income and verifying employment before loan closing; and
  • Expanding the use of power of attorney and remote online notarizations to assist with loan closings.

Link to https://urldefense.com/v3/__https:/www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-COVID-Related-Loan-Processing-Flexibilities-for-Fannie-Mae-and-Freddie-Mac-Customers-Through-August.aspx__;!!COskAx4!WHbQsi90VqLO_WTzoTFKoeigcPxo35_1RBZ8lURuPdEQoFLWC2uKacYUQo_ySfypEzTo3Q$Link to https://urldefense.com/v3/__https:/www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-COVID-Related-Loan-Processing-Flexibilities-for-Fannie-Mae-and-Freddie-Mac-Customers-Through-August.aspx__;!!COskAx4!WHbQsi90VqLO_WTzoTFKoeigcPxo35_1RBZ8lURuPdEQoFLWC2uKacYUQo_ySfypEzTo3Q$Link to https://urldefense.com/v3/__https:/www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-COVID-Related-Loan-Processing-Flexibilities-for-Fannie-Mae-and-Freddie-Mac-Customers-Through-August.aspx__;!!COskAx4!WHbQsi90VqLO_WTzoTFKoeigcPxo35_1RBZ8lURuPdEQoFLWC2uKacYUQo_ySfypEzTo3Q$Link to https://urldefense.com/v3/__https:/www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-COVID-Related-Loan-Processing-Flexibilities-for-Fannie-Mae-and-Freddie-Mac-Customers-Through-August.aspx__;!!COskAx4!WHbQsi90VqLO_WTzoTFKoeigcPxo35_1RBZ8lURuPdEQoFLWC2uKacYUQo_ySfypEzTo3Q$Link to https://urldefense.com/v3/__https:/www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-COVID-Related-Loan-Processing-Flexibilities-for-Fannie-Mae-and-Freddie-Mac-Customers-Through-August.aspx__;!!COskAx4!WHbQsi90VqLO_WTzoTFKoeigcPxo35_1RBZ8lURuPdEQoFLWC2uKacYUQo_ySfypEzTo3Q$Link to https://urldefense.com/v3/__https:/www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-COVID-Related-Loan-Processing-Flexibilities-for-Fannie-Mae-and-Freddie-Mac-Customers-Through-August.aspx__;!!COskAx4!WHbQsi90VqLO_WTzoTFKoeigcPxo35_1RBZ8lURuPdEQoFLWC2uKacYUQo_ySfypEzTo3Q$Link to https://urldefense.com/v3/__https:/www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-COVID-Related-Loan-Processing-Flexibilities-for-Fannie-Mae-and-Freddie-Mac-Customers-Through-August.aspx__;!!COskAx4!WHbQsi90VqLO_WTzoTFKoeigcPxo35_1RBZ8lURuPdEQoFLWC2uKacYUQo_ySfypEzTo3Q$Link to https://urldefense.com/v3/__https:/www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-COVID-Related-Loan-Processing-Flexibilities-for-Fannie-Mae-and-Freddie-Mac-Customers-Through-August.aspx__;!!COskAx4!WHbQsi90VqLO_WTzoTFKoeigcPxo35_1RBZ8lURuPdEQoFLWC2uKacYUQo_ySfypEzTo3Q$Link to https://urldefense.com/v3/__https:/www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-COVID-Related-Loan-Processing-Flexibilities-for-Fannie-Mae-and-Freddie-Mac-Customers-Through-August.aspx__;!!COskAx4!WHbQsi90VqLO_WTzoTFKoeigcPxo35_1RBZ8lURuPdEQoFLWC2uKacYUQo_ySfypEzTo3Q$Link to https://urldefense.com/v3/__https:/www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-COVID-Related-Loan-Processing-Flexibilities-for-Fannie-Mae-and-Freddie-Mac-Customers-Through-August.aspx__;!!COskAx4!WHbQsi90VqLO_WTzoTFKoeigcPxo35_1RBZ8lURuPdEQoFLWC2uKacYUQo_ySfypEzTo3Q$Link to https://urldefense.com/v3/__https:/www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-COVID-Related-Loan-Processing-Flexibilities-for-Fannie-Mae-and-Freddie-Mac-Customers-Through-August.aspx__;!!COskAx4!WHbQsi90VqLO_WTzoTFKoeigcPxo35_1RBZ8lURuPdEQoFLWC2uKacYUQo_ySfypEzTo3Q$Click here to review a copy of the News Release.


Wright, Finlay & Zak's COVID-19 Update: July 6, 2020

July 6, 2020

Governor of Oregon Signs Emergency Foreclosure Moratorium Bill

Following swift passage by the Oregon Legislature in special session, on June 30, 2020, Oregon’s Governor signed into law House Bill 4204. In a nutshell, the bill:

  1. Applies on an emergency basis as of June 29, 2020 to residential, multi-family and commercial loans;
  2. No exception for vacant or abandoned property;
  3. Applies to the original BR or a successor;
  4. Voids any foreclosure sale that occurred after March 8, 2020 unless all the notices were sent out prior to that date;
  5. During the “Emergency Period”, defined as running from March 8, 2020 to September 30, 2020, unless extended by Executive Order, a lender may not treat a BR’s failure to make a monthly or any other payment as a default;
  6. Upon notice that the failure to pay is “related to the COVID-19 pandemic”, the lender must defer collecting payments during the Emergency Period. On a residential properties with less than 4 units, the BR need only “attest” that COVID is the reason for not making the payments. On residential properties with more than 4 units and commercial properties, the BR must also provide financial statements or other evidence of COVID’s negative impact on the ability to make payments.
  7. If the BR satisfies this vague and seemingly simple requirement, the lender cannot:
  1. Impose or collect late charges, fees, penalties, attorneys’ fees, default interest or other amounts;
  2. Treat the failure to make payments during the emergency period as an ineligibility for a foreclosure avoidance measure;
  3. Require or charge for an inspection, appraisal or BPO, not otherwise permitted in the absence of a default; and
  4. Take other steps as outlined in the new law.
  1. Likewise, the lender cannot, during the Emergency Period:
  1. Start , advance or complete a foreclose;
  2. File suit to enforce the loan or security instrument;
  1. Any lawsuit to enforce the loan or security instrument filed during the Emergency Period shall be dismissed and the courts are prohibited from entering any judgment of foreclosure or issue a writ of execution.
  2. Lenders and, arguably, their servicers, agents and employees must provide notice to BRs of their rights under the new law, within 60 days from June 30th.

The above is just a sampling of what is required by the new law. For all the bill’s requirements or for assistance in drafting the requirement notice, please contact us or consult with your own counsel. Likewise, if you completed a foreclosure sale after March 8, 2020, please feel free to reach out to discuss options. Link to https://7ba2e37b-f6de-4fc9-a27b-884bd58b9459.filesusr.com/ugd/2ae1a1_ba47f25ab90f47b1a1201b9e44dc2083.pdfLink to https://7ba2e37b-f6de-4fc9-a27b-884bd58b9459.filesusr.com/ugd/2ae1a1_ba47f25ab90f47b1a1201b9e44dc2083.pdfLink to https://7ba2e37b-f6de-4fc9-a27b-884bd58b9459.filesusr.com/ugd/2ae1a1_ba47f25ab90f47b1a1201b9e44dc2083.pdfLink to https://7ba2e37b-f6de-4fc9-a27b-884bd58b9459.filesusr.com/ugd/2ae1a1_ba47f25ab90f47b1a1201b9e44dc2083.pdfLink to https://7ba2e37b-f6de-4fc9-a27b-884bd58b9459.filesusr.com/ugd/2ae1a1_ba47f25ab90f47b1a1201b9e44dc2083.pdfLink to https://7ba2e37b-f6de-4fc9-a27b-884bd58b9459.filesusr.com/ugd/2ae1a1_ba47f25ab90f47b1a1201b9e44dc2083.pdfLink to https://7ba2e37b-f6de-4fc9-a27b-884bd58b9459.filesusr.com/ugd/2ae1a1_ba47f25ab90f47b1a1201b9e44dc2083.pdfLink to https://7ba2e37b-f6de-4fc9-a27b-884bd58b9459.filesusr.com/ugd/2ae1a1_ba47f25ab90f47b1a1201b9e44dc2083.pdfLink to https://7ba2e37b-f6de-4fc9-a27b-884bd58b9459.filesusr.com/ugd/2ae1a1_ba47f25ab90f47b1a1201b9e44dc2083.pdfLink to https://7ba2e37b-f6de-4fc9-a27b-884bd58b9459.filesusr.com/ugd/2ae1a1_ba47f25ab90f47b1a1201b9e44dc2083.pdfLink to https://7ba2e37b-f6de-4fc9-a27b-884bd58b9459.filesusr.com/ugd/2ae1a1_ba47f25ab90f47b1a1201b9e44dc2083.pdfLink to https://7ba2e37b-f6de-4fc9-a27b-884bd58b9459.filesusr.com/ugd/2ae1a1_ba47f25ab90f47b1a1201b9e44dc2083.pdfLink to https://7ba2e37b-f6de-4fc9-a27b-884bd58b9459.filesusr.com/ugd/2ae1a1_ba47f25ab90f47b1a1201b9e44dc2083.pdfLink to https://7ba2e37b-f6de-4fc9-a27b-884bd58b9459.filesusr.com/ugd/2ae1a1_ba47f25ab90f47b1a1201b9e44dc2083.pdfLink to https://7ba2e37b-f6de-4fc9-a27b-884bd58b9459.filesusr.com/ugd/2ae1a1_ba47f25ab90f47b1a1201b9e44dc2083.pdfClick here to review a copy of the enrolled Bill.

Washington Department of Financial Institutions Issues Updated Guidance
As previously reported, the Washington Department of Financial Institutions (“DFI”) issued guidance to regulated and exempt financial institutions in March 2020 regarding treatment of accounts for COVID-impacted borrowers. While the guidance did not mandate compliance, it “urged” financial institutions to, among other things, provide payment forbearance, late fee and penalty waivers, credit reporting relief, and foreclosure relief for 90 days. In June 2020, the DFI issued updated guidance replacing the March 20, 2020 guidance and, again “urging” financial institutions to provide relief to COVID-impacted borrowers through September 30, 2020. Link to https://dfi.wa.gov/sites/default/files/servicer-guidance-covid-19.pdfLink to https://dfi.wa.gov/sites/default/files/servicer-guidance-covid-19.pdfLink to https://dfi.wa.gov/sites/default/files/servicer-guidance-covid-19.pdfLink to https://dfi.wa.gov/sites/default/files/servicer-guidance-covid-19.pdfLink to https://dfi.wa.gov/sites/default/files/servicer-guidance-covid-19.pdfLink to https://dfi.wa.gov/sites/default/files/servicer-guidance-covid-19.pdfLink to https://dfi.wa.gov/sites/default/files/servicer-guidance-covid-19.pdfLink to https://dfi.wa.gov/sites/default/files/servicer-guidance-covid-19.pdfLink to https://dfi.wa.gov/sites/default/files/servicer-guidance-covid-19.pdfLink to https://dfi.wa.gov/sites/default/files/servicer-guidance-covid-19.pdfLink to https://dfi.wa.gov/sites/default/files/servicer-guidance-covid-19.pdfLink to https://dfi.wa.gov/sites/default/files/servicer-guidance-covid-19.pdfLink to https://dfi.wa.gov/sites/default/files/servicer-guidance-covid-19.pdfLink to https://dfi.wa.gov/sites/default/files/servicer-guidance-covid-19.pdfLink to https://dfi.wa.gov/sites/default/files/servicer-guidance-covid-19.pdfClick here to review a copy of the updated guidance.

Nevada Financial Institutions Division Issues Letter on Debt Collection Agencies
In response to questions from clients about breach letters and other collection correspondence, we wanted to make sure those of you operating in Nevada were aware of the June 4th update from Nevada’s Financial Institutions Division (“FID”). The FID has confirmed that companies licensed as debt collection agencies in the state may now resume operations in compliance with “all remaining Emergency Directives issued by Governor Sisolak, any guidance issued by any state agency, any Justice Court Orders for each jurisdiction, and comply with all applicable state and federal laws.” Companies should also follow “all health and safety guidance from the Centers for Disease Control and Prevention (CDC), the State of Nevada.” Link to http://fid.nv.gov/uploadedFiles/fidnvgov/content/Home/features/FID%20Letter%20Collections%206.4.2020.pdfLink to http://fid.nv.gov/uploadedFiles/fidnvgov/content/Home/features/FID%20Letter%20Collections%206.4.2020.pdfLink to http://fid.nv.gov/uploadedFiles/fidnvgov/content/Home/features/FID%20Letter%20Collections%206.4.2020.pdfLink to http://fid.nv.gov/uploadedFiles/fidnvgov/content/Home/features/FID%20Letter%20Collections%206.4.2020.pdfLink to http://fid.nv.gov/uploadedFiles/fidnvgov/content/Home/features/FID%20Letter%20Collections%206.4.2020.pdfLink to http://fid.nv.gov/uploadedFiles/fidnvgov/content/Home/features/FID%20Letter%20Collections%206.4.2020.pdfLink to http://fid.nv.gov/uploadedFiles/fidnvgov/content/Home/features/FID%20Letter%20Collections%206.4.2020.pdfLink to http://fid.nv.gov/uploadedFiles/fidnvgov/content/Home/features/FID%20Letter%20Collections%206.4.2020.pdfLink to http://fid.nv.gov/uploadedFiles/fidnvgov/content/Home/features/FID%20Letter%20Collections%206.4.2020.pdfLink to http://fid.nv.gov/uploadedFiles/fidnvgov/content/Home/features/FID%20Letter%20Collections%206.4.2020.pdfLink to http://fid.nv.gov/uploadedFiles/fidnvgov/content/Home/features/FID%20Letter%20Collections%206.4.2020.pdfLink to http://fid.nv.gov/uploadedFiles/fidnvgov/content/Home/features/FID%20Letter%20Collections%206.4.2020.pdfLink to http://fid.nv.gov/uploadedFiles/fidnvgov/content/Home/features/FID%20Letter%20Collections%206.4.2020.pdfLink to http://fid.nv.gov/uploadedFiles/fidnvgov/content/Home/features/FID%20Letter%20Collections%206.4.2020.pdfLink to http://fid.nv.gov/uploadedFiles/fidnvgov/content/Home/features/FID%20Letter%20Collections%206.4.2020.pdfClick here to review a copy of the Letter.

Hawaii Issues Order on CARES Compliance
On June 26, 2020, the Supreme Court of Hawaii issued an “Order Regarding Foreclosure or Non-judicial Foreclosure Related Actions; Certification of Compliance with the Coronavirus Aid, Relief and Economic Security Act in Foreclosures.” The Order, effective through August 31, 2020 or any extension, requires any party pursuing a judicial foreclosure action or an action in state court arising out of a judicial or non-judicial foreclosure to file a signed declaration attesting under penalty of perjury: (1) whether the mortgage that is the subject of the action is or is not a federally-backed mortgage loan as defined by the CARES Act, (2) if subject to CARES, whether the foreclosure or eviction moratorium has expired or has been extended, and that the property is not subject to a CARES forbearance, (3) and if the property is vacant and abandoned and is not subject to the CARES Act. The declaration shall be filed contemporaneously with the Complaint or actions filed after June 26, 2020. For previously-filed actions, the declaration shall be filed: (1) either prior to or contemporaneously with a motion requesting a decree of foreclosure or a motion for confirmation of public sale, (2) if a motion is pending hearing, at least 18 days prior to the hearing date on the motion, or (3) if a proposed order is pending in a specified judicial foreclosure or ejectment matter, the declaration must be filed before the court will issue the written order or judgment (and for pending orders/judgments, special notice to the clerk and the judge’s chambers of the filing of the declaration is required). Link to /documents/covid19/Hawaii-Supreme-Court-Order-SCMF-20-0000152-2020Jun26.pdfLink to /documents/covid19/Hawaii-Supreme-Court-Order-SCMF-20-0000152-2020Jun26.pdfLink to /documents/covid19/Hawaii-Supreme-Court-Order-SCMF-20-0000152-2020Jun26.pdfLink to /documents/covid19/Hawaii-Supreme-Court-Order-SCMF-20-0000152-2020Jun26.pdfLink to /documents/covid19/Hawaii-Supreme-Court-Order-SCMF-20-0000152-2020Jun26.pdfLink to /documents/covid19/Hawaii-Supreme-Court-Order-SCMF-20-0000152-2020Jun26.pdfLink to /documents/covid19/Hawaii-Supreme-Court-Order-SCMF-20-0000152-2020Jun26.pdfLink to /documents/covid19/Hawaii-Supreme-Court-Order-SCMF-20-0000152-2020Jun26.pdfLink to /documents/covid19/Hawaii-Supreme-Court-Order-SCMF-20-0000152-2020Jun26.pdfLink to /documents/covid19/Hawaii-Supreme-Court-Order-SCMF-20-0000152-2020Jun26.pdfLink to /documents/covid19/Hawaii-Supreme-Court-Order-SCMF-20-0000152-2020Jun26.pdfLink to /documents/covid19/Hawaii-Supreme-Court-Order-SCMF-20-0000152-2020Jun26.pdfLink to /documents/covid19/Hawaii-Supreme-Court-Order-SCMF-20-0000152-2020Jun26.pdfLink to /documents/covid19/Hawaii-Supreme-Court-Order-SCMF-20-0000152-2020Jun26.pdfLink to /documents/covid19/Hawaii-Supreme-Court-Order-SCMF-20-0000152-2020Jun26.pdfClick here to review a copy of the Order.


Wright, Finlay & Zak's COVID-19 Update: June 29, 2020

June 29, 2020

Nevada’s Governor Amends Eviction and Foreclosure Moratoria
On June 25, 2020, Nevada’s Governor held a press conference to announce amendments to the eviction and foreclosure moratoria originally issued on March 29, 2020 in Directive 008. The amendments are detailed in Declaration of Emergency Directive-025. Following is a summary of the new Directive:

Rent Defaults: Landlords of residential, commercial and manufactured home lots are encouraged to work with tenants to cure rental payment defaults and residential landlords are encouraged to enter into the template Lease Addendum/Promissory Note for Rental Arrearages Due to COVID-19. Negotiated payments should be made in good faith, be reasonable under the totality of the circumstances and consider tenant’s ability to pay. If a landlord enters into a repayment agreement, landlord shall cease and/or dismiss any eviction proceeding for nonpayment of rent.

Residential Eviction Proceedings: Summary eviction notices served prior to March 30, 2020, with no answer by the tenant are deemed stale and void. Notices served from March 30, 2020 to June 25, 2020 are void. All stale/void eviction notices must be re-served. Summary eviction actions regarding specified actions NOT based on non-payment of rent may be initiated or re-initiated with new service, effective 11:59p.m. July 31, 2020. Summary eviction actions based on specified issues other than non-payment of rent where tenant has filed an answering affidavit may proceed 11:59p.m. July 31, 2020. Residential summary eviction actions based upon no cause pursuant to NRS 40.251 may proceed 11:59p.m. August 31, 2020. Residential summary eviction actions based on nonpayment of rent pursuant to NRS 40.253 may proceed 11:59 August 31, 2020. Certain in process non-commercial unlawful detainer proceedings with respect to holdover tenants pursuant to NRS 40.255 and manufactured home parks may proceed after June 30, 2020 and July 31 2020, as specified.

Commercial Eviction and Foreclosure Proceedings: amends prior Directive 008 prohibiting commercial landlords from issuing a notice to vacate, notice to pay or quit, initiating eviction proceedings, or commercial lender from commencing foreclosure proceedings, effective 11:59p.m. June 30, 2020 as follows:

  • Summary eviction notices to pay or quit served prior to March 30, 2020, where a tenant has not filed an answering affidavit, are deemed stale and void.
  • Summary eviction notices to pay or quit served from March 30, 2020 to June 25, 2020 in violation of Directive 008 are deemed void.
  • To ensure reasonable notice and an opportunity to respond, all stale and/or void notices to vacate must be re-served in accordance with NRS 40.280.
  • Commercial landlords may initiate or reinitiate summary eviction notices to pay or quit pursuant to NRS 40.2542, effective June 30, 2020 at 11 :59pm.
  • In process commercial evictions with Answers and foreclosure actions may proceed 11:59p.m. June 30, 2020.
  • Commercial landlords may initiate unlawful detainer actions pursuant to NRS 40.290-40.420, inclusive, effective June 30, 2020 at 11:59pm.
  • Commercial lenders may commence foreclosure proceedings effective June 30, 2020 at 11:59pm.
  • Lockouts on commercial premises may proceed as authorized by NRS 11 SC.200 effective 11:59p.m. June 30, 2020.

Fees & Penalties: Prohibition on collecting late fees and penalties for nonpayment under residential lease terms/rental agreement terminates 11:59p.m. August 31, 2020. Fee and penalty prohibitions as to manufactured home park landlords end as of 11:59 p.m. July 31,2020. Fee and penalty prohibitions as to commercial landlords and lenders end as of 11:59p.m. June 30, 2020. For all three types of tenancies, fees and penalties are not retroactively revived between March 30, 2020 and termination of the prohibition - may only collect late fees and penalties for prospective late rental payments due thereafter and amounts already deemed late prior to March 30, 2020.

CARES Act Preemption: The Directive provides that the CARES Act prevails as to covered loans and properties in the case of any conflict with Directive 008 or 025.

Penalties for Violations: Violation of Directive 025 or prior Directive 008 constitutes the use of coercion, duress, or intimidation in a transaction under NRS 598.0923(4) (a “deceptive trade practice”). With respect to violations of the Directive, it is important to note that pursuant to NRS 598.0999, a knowing and willful violation of NRS 598.0923(4) has criminal penalties (first and second offenses are misdemeanors, third offense is a category D felony). Pecuniary penalties can include treble damages, and violation of a court order or injunction under 598.0923 can result in further civil penalty of $5,000-$10,000 for each violation.

Residential Foreclosures: Directive 025 and 008 remain in effect until 11:59p.m. August 31, 2020, except as modified in Directive 025. Based on the foregoing, the residential foreclosure moratorium from Directive 008 (which is not expressly mentioned in Directive 025) terminates after August 31, 2020 pursuant to Section 18 of Directive 025: “This Directive and Directive 008, except as modified by Sections 5-15, shall remain in effect until August 31, 2020 at 11:59pm, at which time this Directive and all remaining provisions of Directive 008 shall terminate.” Since the residential foreclosure section was not otherwise modified by Sections 5-15, it terminates after August 31, 2020. This makes Nevada’s foreclosure moratorium coincide with the current FHA/FHFA/VA moratorium termination.

Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-06-25_-_COVID-19_Declaration_of_Emergency_Directive_025_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-06-25_-_COVID-19_Declaration_of_Emergency_Directive_025_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-06-25_-_COVID-19_Declaration_of_Emergency_Directive_025_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-06-25_-_COVID-19_Declaration_of_Emergency_Directive_025_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-06-25_-_COVID-19_Declaration_of_Emergency_Directive_025_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-06-25_-_COVID-19_Declaration_of_Emergency_Directive_025_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-06-25_-_COVID-19_Declaration_of_Emergency_Directive_025_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-06-25_-_COVID-19_Declaration_of_Emergency_Directive_025_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-06-25_-_COVID-19_Declaration_of_Emergency_Directive_025_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-06-25_-_COVID-19_Declaration_of_Emergency_Directive_025_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-06-25_-_COVID-19_Declaration_of_Emergency_Directive_025_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-06-25_-_COVID-19_Declaration_of_Emergency_Directive_025_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-06-25_-_COVID-19_Declaration_of_Emergency_Directive_025_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-06-25_-_COVID-19_Declaration_of_Emergency_Directive_025_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-06-25_-_COVID-19_Declaration_of_Emergency_Directive_025_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-06-25_-_COVID-19_Declaration_of_Emergency_Directive_025_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-06-25_-_COVID-19_Declaration_of_Emergency_Directive_025_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-06-25_-_COVID-19_Declaration_of_Emergency_Directive_025_(Attachments)Click here to review the full text of the Directive. Link to http://gov.nv.gov/uploadedFiles/govnewnvgov/Content/News/Emergency_Orders/2020_attachments/Directive%20025-General%20FAQ.pdfLink to http://gov.nv.gov/uploadedFiles/govnewnvgov/Content/News/Emergency_Orders/2020_attachments/Directive%20025-General%20FAQ.pdfLink to http://gov.nv.gov/uploadedFiles/govnewnvgov/Content/News/Emergency_Orders/2020_attachments/Directive%20025-General%20FAQ.pdfLink to http://gov.nv.gov/uploadedFiles/govnewnvgov/Content/News/Emergency_Orders/2020_attachments/Directive%20025-General%20FAQ.pdfLink to http://gov.nv.gov/uploadedFiles/govnewnvgov/Content/News/Emergency_Orders/2020_attachments/Directive%20025-General%20FAQ.pdfLink to http://gov.nv.gov/uploadedFiles/govnewnvgov/Content/News/Emergency_Orders/2020_attachments/Directive%20025-General%20FAQ.pdfLink to http://gov.nv.gov/uploadedFiles/govnewnvgov/Content/News/Emergency_Orders/2020_attachments/Directive%20025-General%20FAQ.pdfLink to http://gov.nv.gov/uploadedFiles/govnewnvgov/Content/News/Emergency_Orders/2020_attachments/Directive%20025-General%20FAQ.pdfLink to http://gov.nv.gov/uploadedFiles/govnewnvgov/Content/News/Emergency_Orders/2020_attachments/Directive%20025-General%20FAQ.pdfLink to http://gov.nv.gov/uploadedFiles/govnewnvgov/Content/News/Emergency_Orders/2020_attachments/Directive%20025-General%20FAQ.pdfLink to http://gov.nv.gov/uploadedFiles/govnewnvgov/Content/News/Emergency_Orders/2020_attachments/Directive%20025-General%20FAQ.pdfLink to http://gov.nv.gov/uploadedFiles/govnewnvgov/Content/News/Emergency_Orders/2020_attachments/Directive%20025-General%20FAQ.pdfLink to http://gov.nv.gov/uploadedFiles/govnewnvgov/Content/News/Emergency_Orders/2020_attachments/Directive%20025-General%20FAQ.pdfLink to http://gov.nv.gov/uploadedFiles/govnewnvgov/Content/News/Emergency_Orders/2020_attachments/Directive%20025-General%20FAQ.pdfLink to http://gov.nv.gov/uploadedFiles/govnewnvgov/Content/News/Emergency_Orders/2020_attachments/Directive%20025-General%20FAQ.pdfLink to http://gov.nv.gov/uploadedFiles/govnewnvgov/Content/News/Emergency_Orders/2020_attachments/Directive%20025-General%20FAQ.pdfLink to http://gov.nv.gov/uploadedFiles/govnewnvgov/Content/News/Emergency_Orders/2020_attachments/Directive%20025-General%20FAQ.pdfLink to http://gov.nv.gov/uploadedFiles/govnewnvgov/Content/News/Emergency_Orders/2020_attachments/Directive%20025-General%20FAQ.pdfClick here to review the Directive 025 FAQ Document.


Wright, Finlay & Zak's COVID-19 Update: June 24, 2020

June 24, 2020

CFPB Issues Interim Final Rule on COVID-19 Loss Mitigation Procedures

On June 24, 2020, the Consumer Financial Protection Bureau (“CFPB”) issued an Interim Final Rule on COVID-19-related loss mitigation activity. The amendments to Regulation X temporarily allow servicers to offer certain loss mitigation options based on the evaluation of an incomplete loss mitigation application. Eligible loss mitigation options must (1) permit borrowers to delay paying forborne (under CARES or other agreements) or unpaid principal and interest amounts as a result of the COVID-19 pandemic until the loan is refinanced, the real property security is sold, the loan matures, or, for a mortgage insured by FHA, the mortgage insurance terminates; (2) not charge any interest, late charges or other fees on the forborne amounts; and (3) the borrower’s acceptance of the loss mitigation offer must resolve any prior delinquency. The amendments also provide that once the borrower accepts an offer for an eligible loss mitigation program under the Interim Final Rule, the servicer is not required to exercise reasonable diligence to obtain a complete application and is not required to provide the usual acknowledgment notice. The Interim Final Rule is effective on July 1, 2020. Comments must be received on or before 45 days after publication in the Federal Register. Link to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfLink to https://files.consumerfinance.gov/f/documents/cfpb_interim-final-rule_respa_covid-19-related-loss-mitigation-options.pdfClick here to review the full text of the Interim Final Rule.

Update on Local California Orders

As previously reported, the Cities of Pomona and Santa Ana issued orders implementing eviction and foreclosure moratoria originally good through May 31, 2020. The City of Pomona has extended its order through July 28, 2020, but the express language of the Order appears to only extend the eviction moratorium. Link to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvLink to http://www.ci.pomona.ca.us/index.php/city-manager-home/306-no-menu-articles/2024-executive-order-foreclosures-contvClick here to review the City’s summary and copy of the Order. The City of Santa Ana also extended its order only as to evictions through a shorter period of June 30, 2020. Link to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/May%2028%2C%202020%20Executive%20Order%20by%20City%20Manager%20Kristine%20Ridge.pdfClick here to review a copy of the Order.

As previously reported, six Bay Area Counties in Northern California (Alameda, Contra Costa, Marin, San Francisco, San Mateo, and Santa Clara) extended their Shelter in Place Orders prohibiting public gatherings of any size through an indefinite date at the end of declared emergency. Two counties (Alameda and San Mateo) have recently amended their orders to allow formation of “social bubbles” for socializing in small groups of 12 people or fewer. Link to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfLink to http://www.acphd.org/media/587163/alameda-county-health-officer-order-20-14-a-english.pdfClick here to review a copy of Alameda’s Order. Despite this development, these “social bubbles” are for limited purposes, and would not apply to the ability to convene diverse members of the public for the conduct of a foreclosure auction. As a result, the conduct of foreclosure auctions in these six counties is still prohibited.


Wright, Finlay & Zak's COVID-19 Update: June 18, 2020

June 18, 2020

FHA Extends Foreclosure and Eviction Moratoria
On June 17, 2020, FHA issued Mortgagee Letter 2020-19, announcing a further extension of its existing foreclosure and eviction moratoria to August 31, 2020. As previously reported, the foreclosure moratorium applies to the initiation of foreclosures and to foreclosures in process. The moratoria do not apply to prevent foreclosure, or eviction actions (if necessary), with respect to vacant and abandoned properties. Deadlines for the first legal action and reasonable diligence timelines are extended by 90 days from the date of expiration of this moratorium for FHA-insured Single Family mortgages, except for FHA-insured mortgages secured by vacant or abandoned properties. Link to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-19hsngml.pdfClick here to review a copy of ML 2020-19.

FHFA Extends Foreclosure and Eviction Moratoria applicable to Fannie Mae and Freddie Mac Loans
On June 17, 2020, the Federal Housing Finance Agency (“FHFA”) announced that it would extend its existing foreclosure and eviction moratoria to August 31, 2020 with respect to Fannie Mae and Freddie Mac loans. Link to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Extends-Foreclosure-and-Eviction-Moratorium-6172020.aspxClick here to review a copy of the announcement.

VA Extends Foreclosure and Eviction Moratoria
On June 17, 2020, the Veterans Administration announced that it would extend its existing foreclosure and eviction moratoria to August 31, 2020. As previously reported, the foreclosure moratorium applies to the initiation of foreclosures and to the completion of foreclosures in process. Link to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_22.pdfClick here to review a copy of VA Circular 26-20-22 regarding foreclosures. Link to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_23.pdfClick here to review a copy of VA Circular 26-20-23 regarding evictions.


Wright, Finlay & Zak's COVID-19 Update: June 12, 2020

June 12, 2020

Recent Federal Guidance Updates
Over the past week, several federal agencies have issued updates to their guidance on servicing and loss mitigation related to COVID-19-impacted loans. Following is a summary of these new updates and links to the full content:

Link to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-16hsngml.pdfFHA Mortgagee Letter 2020-16: The Mortgagee Letter provides updates regarding Endorsement of Mortgages under Forbearance for Borrowers Affected by the Presidentially-Declared COVID-19 National Emergency consistent with the Coronavirus Aid, Relief, and Economic Security (CARES) Act. The guidance is effective for endorsements submitted on or after June 15, 2020 through November 30, 2020. HUD is temporarily providing the ability to allow endorsement for such mortgages subject to acceptance of partial indemnification.

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San Francisco COVID-related Eviction Ban Ordinance
On June 9, 2020, The San Francisco County Board of Supervisors passed an ordinance amending the City’s administrative code creating an eviction moratorium. The Mayor of San Francisco had previously issued an Link to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfLink to https://sfmayor.org/sites/default/files/Twelfth_Supplement_043020.pdfemergency order on April 30, 2020 banning evictions during the public health emergency, and for two months thereafter. The new ordinance does not waive unpaid rent but forbids landlords from using the missed rent during the emergency as the basis for eviction, regardless of when the declared emergency ends. Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Link to https://sfgov.legistar.com/View.ashx?M=F&ID=8598557&GUID=3C01E7F9-30D1-4C72-9004-37C57E7C1532Click here to review a copy of the ordinance amending the Administrative Code.

Washington State Non-judicial Foreclosure Auction Status
As previously reported, there is no express foreclosure ban in the state of Washington. However, foreclosure auctions have been limited based on the general public gathering limitations imposed due to COVID-19. As of June 12, 2020, the following counties have entered Phase III Reopening, allowing for public gatherings of up to 50 persons and thus public foreclosure auctions: Asotin, Columbia, Ferry, Garfield, Lincoln, Pend, Orielle, Skamania, Stevens, Wahkiakum, and Whitman. The following counties have entered Phase II, allowing for public gatherings of up to 5 persons: Adams, Clallam, Clark, Cowlitz, Grant, Grays Harbor, Island, Jefferson, Kitsap, Kittitas, Klickitat, Lewis, Mason, Okanogan, Pacific, Pierce, San Juan, Skagit, Spokane, Thurston, Walla Walla, and Whatcom. For these counties, conduct of foreclosure auctions should only be considered if there is no equity in the property that could be realized through competitive bidding, and if a sale is scheduled, it must be postponed if the auction causes more than 5 persons to gather. The following counties remain in Phase I (or modified Phase I), prohibiting public gatherings of any size and thus prohibiting public foreclosure auctions: Chelan, Douglas, King, Benton, Franklin, and Yakima. For all foreclosure sales scheduled, a review of any applicable local city orders must also be performed to confirm whether additional restrictions may apply.


Wright, Finlay & Zak's COVID-19 Update: June 3, 2020

June 3, 2020

California’s Governor Issues Order Extending Eviction Protections
On May 29th, California’s Governor issued Executive Order N-66-20 addressing various COVID-19 Emergency-related issues. Link to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfLink to https://www.gov.ca.gov/wp-content/uploads/2020/05/5.29.20-EO-N-66-20.pdfClick here to review a copy of the Order. Included in the update is an extension to July 28, 2020 of his previous Order suspending limitations on local governments to impose restrictions on evictions: “20) The timeframe for the protections set forth in Executive Order N-28-20 Paragraph 1 is extended for an additional 60 days from the date of this Order….21) The timeframe for the protections set forth in Executive Order N-28-20 Paragraph 2 is extended for an additional 60 days from the date of this Order…” This means that local jurisdictions will be able to impose their own COVID-related eviction restrictions (when the basis for the eviction is non-payment of rent or a foreclosure and the COVID-related cause is documented) through July 28, 2020. Such local restrictions would be coupled with existing Judicial Council Emergency Rule No. 1 (effective April 6th) already prohibiting the issuance of a summons or the entry of a default judgment in unlawful detainer matters except if necessary to protect public health and safety, and setting of trial dates in existing unlawful detainer matters no earlier than 60 days after a request for trial. The Emergency Rule is effective “until 90 days after the Governor declares that the state of emergency related to the COVID-19 pandemic is lifted, or until amended or repealed by the Judicial Council.” This means that until further notice in California, no new eviction complaints can be served, no defaults can be entered, and evictions trials will be delayed, except in the case of health and safety issues. Plus, local jurisdictions can pile on additional restrictions through at least July 28, 2020.

In the meantime, the tenant’s obligation to pay rent is not waived. Thus, except in the case of local orders like the City of Los Angeles which may be more restrictive, landlords should continue to encourage tenants to pay what they can, and if the COVID-19 excuse is raised, request appropriate documentation. Landlords should also retain documentation of any correspondence sent to and received from tenants with respect to the ability to pay rent and any COVID-related cause. Finally, consult with counsel or your local jurisdiction to identify any more restrictive county or city orders or ordinances which may be in effect through July 28th.

Washington’s Governor Issues Updated Proclamation on Eviction Activity
On June 2, 2020, the Governor of Washington issued Proclamation 20-19.2, extending and amending the previous proclamations on the issue of evictions during the COIVD-19 Emergency. The prohibitions as to residential dwellings and commercial rental properties extend to August 1, 2020 and include:

  • A prohibition on serving or enforcing (or threatening to serve or enforce!) any dwelling notice to vacate unless (1) including an affidavit of significant and immediate health and safety risk caused by the tenant or (2) providing at least 60 days’ written notice of intent to personally occupy the property or sell it.
  • A prohibition on seeking or enforcing (or threatening to serve or enforce!) any dwelling eviction order unless (1) including an affidavit of significant and immediate health and safety risk caused by the tenant or (2) showing that at least 60 days’ written notice was given of intent to personally occupy the property or sell it.
  • A prohibition on law enforcement service or enforcement of dwelling eviction orders unless they state findings that (1) an individual creates a significant and immediate risk to health and safety or (2) at least 6o days’ written notice was provided of intent to occupy as a primary residence or intent to sell.
  • A prohibition on assessing late fees or other charges for non-payment or late payment of rent from 2/29/20 state of emergency proclamation.
  • A prohibition on charging rent for a dwelling when the dwelling could not be occupied as a result of COVID-19 outbreak.
  • A prohibition on any kind of debt collection (including credit reporting) of rents where non-payment resulted from COVID-19 after 2/29/20, unless the landlord demonstrates by a preponderance of evidence that a reasonable repayment plan was offered and not accepted or not performed.
  • A prohibition on dwelling rent increases.
  • A prohibition on commercial rent increases where tenant materially impacted by COVID-19 issues, unless the rent increase was included in an existing lease executed before 2/29/20.
  • A prohibition on retaliating against tenants for invoking the above protections.
  • Violators of this order may be subject to criminal penalties pursuant to RCW 43.06.220(5) [guilty of gross misdemeanor].

Based on the above, it appears that 60-day notices to vacate may be issued and eviction activity may proceed with respect to REO property that the owner intends to sell if the required notice is given. Link to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryLink to https://www.governor.wa.gov/sites/default/files/20-19.2%20Coronavirus%20Evictions%20%28tmp%29.pdf?utm_medium=email&utm_source=govdeliveryClick here to review a copy of the Proclamation.


Wright, Finlay & Zak's COVID-19 Update: June 2, 2020

June 2, 2020

Nevada Governor Issues Directive on Phase Two Reopening
On May 28, 2022, Nevada’s Governor issued a Directive governing Phase Two reopening, identifying a number of businesses and activities that will now be allowed. However, the Directive continues to encourage all persons “to stay in their residences to the greatest extent possible.” Moreover, Section 37 of the Directive provides: “Previous Directives not specifically referenced herein remain in effect for the duration specified in those specific Directives or subsequent extensions, unless specifically terminated or extended by subsequent Directive. Directive 018 and all Directives incorporated by reference within Directive 018 with specific expiration dates are extended until June 30, 2020.” Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Link to http://gov.nv.gov/News/Emergency_Orders/2020/2020-05-28_-_COVID-19_Declaration_of_Emergency_Directive_021_-_Phase_Two_Reopening_Plan_(Attachments)Click here to review a copy of the May 28th Directive.

As previously reported, Directive 08 implemented the foreclosure and eviction moratoria effective March 29, 2020 and extending “until the state of emergency under the March 12, 2020 Declaration of Emergency terminates, expires, or this Directive is rescinded by order of the Governor.” As there has been no other Directive terminating Directive 08, and the Declaration of Emergency remains in place, the specified eviction and foreclosure moratoria remain in place at this time.


Wright, Finlay & Zak's COVID-19 Update: June 1, 2020

June 1, 2020

California Judicial Council Issues Updated Emergency Rules
The California Judicial Council amended its Emergency Rules Related to COVID-19 on May 29, 2020. Link to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfLink to https://www.wrightlegal.net/documents/covid19/2020-05-29-Amended-Emergency-Rules-of-Court.pdfClick here to review the latest version of the rules. Also, for a side-by-side comparison of the original April 6th rules (left side) and the updated May 29th rules (right side) Link to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLLink to https://draftable.com/compare/JkZuRqHgwGBLclick here. It does not appear that any substantive changes were made to the existing eviction and judicial foreclosure action prohibitions. However, of interest are the tolling provisions related to statutes of limitation contained in Rule 9: Tolling statutes of limitations for civil causes of action
“(a) Tolling statutes of limitations over 180 days
Notwithstanding any other law, the statutes of limitations and repose for civil causes of action that exceed 180 days are tolled from April 6, 2020, until October 1, 2020. (Subd (a) amended effective May 29, 2020.)
(b) Tolling statutes of limitations of 180 days or less
Notwithstanding any other law, the statutes of limitations and repose for civil causes of action that are 180 days or less are tolled from April 6, 2020, until August 3, 2020. (Subd (b) amended effective May 29, 2020.)
Emergency Rule 9 was amended effective May 29, 2020.”

Emergency Rule 12 was also recently adopted on April 17, 2020, and temporarily provides for mandatory and permissive electronic service in all civil actions as follows:
“(b) Required electronic service
(1) A party represented by counsel, who has appeared in an action or proceeding, must accept electronic service of a notice or document that may be served by mail, express mail, overnight delivery, or facsimile transmission. Before first serving a represented party electronically, the serving party must confirm by telephone or email the appropriate electronic service address for counsel being served.
(2) A party represented by counsel must, upon the request of any party who has appeared in an action or proceeding and who provides an electronic service address and a copy of this rule, electronically serve the requesting party with any notice or document that may be served by mail, express mail, overnight delivery, or facsimile transmission.
(c) Permissive electronic service
Electronic service on a self-represented party is permitted only with consent of that party, confirmed in writing. The written consent to accept electronic service may be exchanged electronically…
(f) Sunset of rule
This rule will remain in effect until 90 days after the Governor declares that the state of emergency related to the COVID-19 pandemic is lifted, or until amended or repealed by the Judicial Council.”

California Bay Area Shelter In Place Orders Extended and Modified
As previously reported, Shelter in Place Orders in the Counties of Alameda, Contra Costa, Marin, Napa, San Mateo, Santa Clara, Solano and San Francisco had been extended to May 31, 2020, effectively prohibiting the public gatherings necessary for non-judicial foreclosure sales. Many counties amended their Orders to address the changing restrictions as they move toward reopening under the California Governor’s multi-phase plan. However, while these modifications address the reopening of various businesses and allow additional activities, the prohibitions on public meetings largely remain in place: “Generally, under this Order gatherings of individuals with anyone outside of their household or living unit remain prohibited, with limited exceptions for essential activities, outdoor activities, additional activities, or essential travel, or to perform work for essential businesses, outdoor businesses, additional businesses, and government agencies….All public and private gatherings of any number of people occurring outside a single household or living unit are prohibited, except for the limited purposes expressly permitted in this Order.” The types of additional activities and outdoor businesses described in the Orders as permissible do not appear to expressly authorize the types of gatherings that would be required to conduct foreclosure sales. In addition, the effective dates of the Orders have been revised to be in effect until further notice, with no specified end date: “This Order is in effect, without a specific expiration date, until it is extended, rescinded, superseded, or amended in writing by the Health Officer.” As a result, these Shelter in Place Orders did NOT terminate on May 31, 2020, for purposes of public gatherings and the conduct of non-judicial foreclosure sales in these counties. Thus, a case by case review for a specific sale date in the future will still be required to determine if the orders have been lifted.

To the extent not prohibited by law enforcement at the sale site, there appears to be a good argument that the crying of a sale postponement as required by Civil Code section 2924g(c) (which does not technically require the gathering of persons) should be considered a basic minimum operation of a contractor of a financial institution as the postponement simply maintains the status quo, avoids expensive re-noticing and publication costs, and prevents a sale by public auction (gathering) from occurring. However, there is no guarantee as to whether a local official or court will agree. Link to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfLink to https://www.sfdph.org/dph/alerts/files/HealthOfficerOrder-C19-07e-Updated-ShelterInPlace-06012020.pdfClick here to review a copy of the updated San Francisco Order quoted above. Click on each county to review other Bay Area Orders (which contain nearly identical language to the San Francisco Order): Link to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfLink to http://www.acphd.org/media/577582/alameda-county-health-officer-order-20-11-english.pdfAlameda, Link to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfLink to https://813dcad3-2b07-4f3f-a25e23c48c566922.filesusr.com/ugd/84606e_cb75bdcbc5e74364a182e80fba1381df.pdfContra Costa, Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Link to https://coronavirus.marinhhs.org/marin-public-health-order-may-15-2020Marin, Link to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to 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https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdLink to https://www.countyofnapa.org/DocumentCenter/View/17112/Shelter-at-Home-Order-4-22-2020--?bidIdNapa, Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350Link to https://www.smchealth.org/sites/main/files/file-attachments/ho_order_c19-5e_shelter_in_place_20200528_0.pdf?1590774350San Mateo, Link to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to 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https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxLink to https://www.sccgov.org/sites/covid19/Pages/order-health-officer-05-18-20.aspxSanta Clara, and Link to https://www.solanocounty.com/civicax/filebank/blobdload.aspx?BlobID=32289Link to https://www.solanocounty.com/civicax/filebank/blobdload.aspx?BlobID=32289Link to https://www.solanocounty.com/civicax/filebank/blobdload.aspx?BlobID=32289Link to https://www.solanocounty.com/civicax/filebank/blobdload.aspx?BlobID=32289Link to https://www.solanocounty.com/civicax/filebank/blobdload.aspx?BlobID=32289Link to 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Wright, Finlay & Zak's COVID-19 Update: May 27, 2020

May 27, 2020

Fannie Mae Provides Additional Detail on Two Payment Deferral Options
Effective July 1, 2020, servicers have two new payment deferral options for homeowners who have resolved financial hardship but are not able to reinstate or set up a repayment plan. On May 27, 2020, Fannie Mae issued updates to Link to https://singlefamily.fanniemae.com/media/22341/displayLink to https://singlefamily.fanniemae.com/media/22341/displayLink to https://singlefamily.fanniemae.com/media/22341/displayLink to https://singlefamily.fanniemae.com/media/22341/displayLink to https://singlefamily.fanniemae.com/media/22341/displayLink to https://singlefamily.fanniemae.com/media/22341/displayLink to https://singlefamily.fanniemae.com/media/22341/displayLink to https://singlefamily.fanniemae.com/media/22341/displayLink to https://singlefamily.fanniemae.com/media/22341/displayLink to https://singlefamily.fanniemae.com/media/22341/displayLink to https://singlefamily.fanniemae.com/media/22341/displayLink to https://singlefamily.fanniemae.com/media/22341/displayLink to https://singlefamily.fanniemae.com/media/22341/displayLink to https://singlefamily.fanniemae.com/media/22341/displayLink to https://singlefamily.fanniemae.com/media/22341/displayLink to 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https://singlefamily.fanniemae.com/media/22936/displayLink to https://singlefamily.fanniemae.com/media/22936/displayLink to https://singlefamily.fanniemae.com/media/22936/displayLink to https://singlefamily.fanniemae.com/media/22936/displayLink to https://singlefamily.fanniemae.com/media/22936/displayLink to https://singlefamily.fanniemae.com/media/22936/displayLink to https://singlefamily.fanniemae.com/media/22936/displayPayment Deferral Matrix to describe and compare the two options.

City of Pomona, California Eviction & Foreclosure Moratoria Order Expires May 31, 2020 But Has Lingering Impact
Similar to the City of Santa Ana in California, on March 19, 2020, the City of Pomona issued an Order prohibiting evictions and foreclosures as against tenants and borrowers with a demonstrated impact by the COVID-19 Pandemic. With respect to evictions, Sections 2 and 3 of the Order contain a temporary moratorium on residential and commercial evictions based on non-payment of rent by tenants Impacted by the COVID-19 Crisis and allows the tenant up to six months following the expiration of the local emergency to repay the past due rent. The landlord is prohibited from serving a notice to vacate/quit or filing an unlawful detainer complaint “if the tenant, within 30 days after the date that rent is due, notifies the landlord in writing of lost income and inability to pay full rent due to financial impacts related to COVID-19, and provides documentation to support the claim.” With respect to foreclosure activity, the Order provides:

“SECTION 4. Temporary Suspension on Residential and Commercial Foreclosures.

A. No foreclosure action against a property owner shall be initiated or proceed during the period of declared local emergency in the City of Pomona for any mortgagor with a demonstrated financial impact related to COVID-19. Nothing in this order shall relieve the mortgagor of liability for any unpaid mortgage payments, which the mortgagee may seek after expiration of the local emergency and the mortgagor must pay within six months of the expiration of the local emergency, unless a different time is agreed to between the parties. The respective rights and obligations of the parties in any foreclosure proceeding shall be adjudicated in the appropriate court of law with jurisdiction over the matter at the conclusion of the local emergency or rescission of this order.”

This Order uses language similar to the City of Santa Ana’s Order, does not contain any details in the foreclosure section as to how a borrower is required to “demonstrate” a financial impact related to CIVID-19, allows the borrower up to six months following the expiration of the emergency to pay the past due payments, and appears to require even non-judicial foreclosures to be adjudicated by a court with respect to the ability to proceed following the conclusion of the local emergency. Despite the potential federal preemption defenses as to certain federal financial institutions and constitutional issues, the Pomona Order increases the likelihood of a borrower challenging existing default and foreclosure proceedings in the city, for up to six months after the local emergency is terminated. 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http://www.ci.pomona.ca.us/index.php/component/content/article/306-no-menu-articles/2024-executive-order-foreclosures-cont?Link to http://www.ci.pomona.ca.us/index.php/component/content/article/306-no-menu-articles/2024-executive-order-foreclosures-cont?Link to http://www.ci.pomona.ca.us/index.php/component/content/article/306-no-menu-articles/2024-executive-order-foreclosures-cont?Link to http://www.ci.pomona.ca.us/index.php/component/content/article/306-no-menu-articles/2024-executive-order-foreclosures-cont?Link to http://www.ci.pomona.ca.us/index.php/component/content/article/306-no-menu-articles/2024-executive-order-foreclosures-cont?Link to http://www.ci.pomona.ca.us/index.php/component/content/article/306-no-menu-articles/2024-executive-order-foreclosures-cont?Link to http://www.ci.pomona.ca.us/index.php/component/content/article/306-no-menu-articles/2024-executive-order-foreclosures-cont?Link to http://www.ci.pomona.ca.us/index.php/component/content/article/306-no-menu-articles/2024-executive-order-foreclosures-cont?Link to http://www.ci.pomona.ca.us/index.php/component/content/article/306-no-menu-articles/2024-executive-order-foreclosures-cont?Click here to review a copy of the Order, which is currently scheduled to expire on May 31, 2020. We are continuing to monitor for any extension by the City, and if extended, we will provide a further update.


Wright, Finlay & Zak's COVID-19 Update: May 26, 2020

May 26, 2020

FHA Suspends Special Live Webcast: An Interagency Discussion Regarding the COVID-19 National Emergency
The Federal Housing Administration (FHA) issued a message retracting FHA INFO #20-34 that published on May 22, 2020. Registration for the event has been suspended. FHA had previously announced a live, virtual interagency discussion in response to the COVID-19 National Emergency, which was to occur on June 4, 2020. If we obtain information regarding the rescheduling of this event we will provide an update.

Montana Limits Existing Foreclosure and Eviction Moratoria Directives
On May 19, 2020, Montana’s Governor issued an updated Directive on the Continued Reopening of Montana. As previously reported, the Governor had issued Directives extending the eviction and foreclosure moratoria in the state to May 24, 2020. According to the May 19th Directive, “The March 30 and April 13 Directives providing measures to limit foreclosures, evictions, and disconnections from service and all of their terms remain in effect through May 24, unless modified by subsequent Directive, except as follows:

  • For individuals who are members of a vulnerable population, who have suffered a significant financial hardship as a result of the outbreak, and who, pursuant to this Directive, remain sheltered at home, the protections of the March 30 and April 13 Directives continue and will expire 30 days after the individual ceases to shelter at home or at the end of the emergency, whichever is sooner.
  • An individual who seeks the protection of these provisions to prevent a foreclosure, eviction, or disconnection after June 1 must make a basic showing to their bank, landlord, or utility that they are (1) sheltering in place under this order, are (2) a member of a vulnerable population, and (3) have been financially impacted as a result of the COVID-19 outbreak.
  • Before moving forward with an eviction, foreclosure, or disconnection against an individual who is a member of a vulnerable population, the entity initiating the eviction, foreclosure, or disconnection must provide adequate notice of the opportunity to seek the protection of this Directive by making the showing described above.”

Based on the above, foreclosures and evictions may proceed if notice of the opportunity to request COVID-19-related protections has been provided and the borrower or tenant has not provided the specified basic showing. No guidance regarding the required content or manner of the notice to be sent is given in the Directive, so notice provisions in the loan documents should be consulted. That being said, the fact-specific provisions of the remaining moratoria may be difficult to track and confirm, so a detailed case-by case analysis should be performed in conjunction with legal counsel before proceeding with respect to each loan and property asset. Link to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfLink to https://covid19.mt.gov/Portals/223/Documents/Phase%20Two%20Directive%20with%20Appendices.pdfClick here to review a copy of the May 19th Directive.


Wright, Finlay & Zak's COVID-19 Update: May 22, 2020

May 22, 2020

FHFA Announces Updated Eligibility Criteria for GSE Loans Originated Following COVID-19 Forbearance
On May 19, 2020, the Federal Housing Finance Agency (“FHFA”) announced that borrowers are eligible to refinance or buy a new home if they are current on their mortgage (i.e. in forbearance but continued to make their mortgage payments or reinstated their mortgage). A borrower is eligible to refinance or obtain a new purchase loan three months after the forbearance ends and three consecutive payments have been made under the repayment plan, payment deferral option or loan modification. Fannie Mae and Freddie Mac also issued announcements regarding the updated guidance. Link to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayLink to https://singlefamily.fanniemae.com/media/22316/displayClick here to review Fannie Mae’s related updates to Lender Letter 2020-03. Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003813_7Click here to review Freddie Mac’s related updates reissued May 22, 2020 in Bulletin 2020-17. The announcements also included a one-month extension to the sale of loans currently in forbearance to the GSEs for notes dated through June 30, 2020 and delivery by August 31, 2020. Link to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayLink to https://singlefamily.fanniemae.com/media/22721/displayClick here to review Fannie Mae’s related updates to Lender Letter 2020-06. Freddie Mac’s related updates were included in Bulletin 2020-17, referenced above.


Wright, Finlay & Zak's COVID-19 Update: May 18, 2020

May 18, 2020

Veterans Administration Announces Extension of COVID-19 Foreclosure Moratoria
On May 14, 2020, the Veterans Administration (“VA”) announced an extension of their COVID-19 foreclosure moratoria to June 30, 2020. “In light of the ongoing COVID-19 national emergency and its impact on Veteran borrowers, properties secured by VA-guaranteed loans are subject to a moratorium on foreclosure through June 30, 2020. The moratorium applies to the initiation of foreclosures, and to the completion of foreclosures in process.” Link to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_18.pdfClick here to review a copy of VA Circular 26-20-18 describing the moratorium extension.

Practical Analysis: Local County Orders
As previously reported, there have been a number of federal and state orders, and some legislation, related to the COVID-19 Pandemic that has impacted the servicing of loans and the management of REO assets. Additionally, we have warned that it is important to review any orders or ordinances that may have been enacted at a local level. One example of a particularly restrictive local order is in the City of Santa Ana. This City is located in the County of Orange, state of California. While the Orange County Stay at Home Order expired, and the state of California is in the initial stages of reopening, the Executive Order from the City of Santa Ana’s Director of Emergency Services remains in effect through May 31, 2020, or longer if extended. The Santa Ana Order contains sections limiting residential and commercial notices to vacate and evictions where the tenant notifies the landlord of a COVID-related inability to pay, and allows the tenant up to six months following the expiration of the local emergency to repay the past due rent. These rent repayment protections go beyond the existing statewide prohibition on the filing of eviction actions under the California Judicial Council’s Emergency Rules good through the end of the state-declared emergency. Another area where the Santa Ana Order is more restrictive than the County or State is the foreclosure protection provision. Currently, there is no state or county-wide prohibition on the conduct of non-judicial foreclosures in California, only a request by the Governor and the Department of Business Oversight for lenders to provide forbearance and hold off on foreclosure. Only judicial foreclosures have been temporarily prohibited by the Emergency Rules of the California Judicial Council. Some counties in the Bay Area of California have deemed foreclosure auctions a violation of the public gathering prohibitions.

Even more restrictive, the Santa Ana Order at Section 4 explicitly prohibits foreclosures as follows: “A. No foreclosure action against a property owner shall be initiated or proceed during the period of declared local emergency in the City of Santa Ana for any mortgagor with a demonstrated financial impact related to COVID-19. Nothing in this order shall relieve the mortgagor of liability for any unpaid mortgage payments, which the mortgagee may seek after the expiration of the local emergency and the mortgagor must pay within six months of the expiration of the local emergency, unless a different time is agreed to between the parties. The respective rights and obligations of the parties in any foreclosure proceeding shall be adjudicated in the appropriate court of law with jurisdiction over the matter at the conclusion of the local emergency or rescission of this order…C….No other legal remedies available to parties to any foreclosure proceeding are affected by this order. Mortgagees are strongly encouraged to offer payment plans to mortgagors to avoid foreclosure after the period of local emergency.” Despite the potential federal preemption defenses as to certain federal financial institutions, the Santa Ana Order increases the likelihood of a borrower challenging existing default and foreclosure proceedings in the city, imposes a post-emergency arrears repayment period of six months, and declares that the rights of the parties post-emergency are to be adjudicated by the courts (without providing any details as to how these issues will be brought before the courts), effectively turning non-judicial foreclosures into judicial proceedings! The Santa Ana Order is an example of the over-reaching restrictions and vague terms that can be in play in a local jurisdiction, and underscores the importance of timely research into such local orders and ordinances prior to considering commencement or completion of the default, foreclosure and eviction process in California and other states. Link to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfLink to https://www.santa-ana.org/sites/default/files/housing/Housing%20Authority/COVID-19%20FAQ/March%2019%2C%202020%20Executive%20Order%20by%20%20City%20Manager%20Kristine%20Ridge.pdfClick here to review a copy of the Santa Ana Order.


Wright, Finlay & Zak's COVID-19 Update: May 14, 2020

May 14, 2020

Fannie Mae and Freddie Mac Announce Extension of COVID-19 Foreclosure Moratoria
On May 14, 2020, Fannie Mae and Freddie Mac announced extensions of their COVID-19 foreclosure moratoria to June 30, 2020. “During the period of the extension, servicers may not, except with respect to a vacant or abandoned property, initiate any judicial or non-judicial foreclosure process, move for a foreclosure judgment or order of sale, or execute a foreclosure sale. This suspension does not apply to mortgage loans secured by properties that have been determined to be vacant or abandoned.” In its announcement, Fannie Mae also provided clarification regarding referrals that Fannie Mae Servicing Guide, Section E-1.2-02, provides: ‘Foreclosure is considered to have begun on the date when the servicer refers the matter to a law firm.’ Accordingly, during the period of the suspension, firms should expect to receive new foreclosure referrals only for mortgage loans secured by properties that have been determined to be vacant or abandoned. Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Link to https://singlefamily.fanniemae.com/media/22261/display#page3Click here to review a copy of updated Fannie Mae Lender Letter 2020-02 describing the moratorium extension. As a reminder, Fannie Mae previously provided guidance indicating that existing sales should not be postponed if physical attendance at the sale site is required to call a postponement. Thus, any Fannie Mae sales in the Western states of Arizona, California, Nevada, Oregon, Utah and Washington would need to be taken off calendar instead of postponed. Freddie Mac has NOT provided guidance requiring sales to be taken off calendar if a postponement can be cried. Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003812_7Click here to review a copy of Freddie Mac Bulletin 2020-16 “TEMPORARY SERVICING GUIDANCE RELATED TO COVID-19,” including information on the foreclosure moratorium extension, post-COVID delinquent property inspections, and other servicing guidance.

FHA Announces Extension of COVID-19 Foreclosure and Eviction Moratoria
On May 14, 2020, the Federal Housing Administration (“FHA”) published Mortgagee Letter (ML) 2020-13, “Extension of Foreclosure and Eviction Moratorium in connection with the Presidentially-Declared COVID-19 National Emergency and New Reporting Requirements Related to FHA Single Family’s CARES Act Loss Mitigation Options.” This ML announces an extension of the foreclosure and eviction moratorium for all FHA-insured single family mortgages previously announced in ML 2020-04, to June 30, 2020. This extension excludes vacant and abandoned properties. In addition, today’s ML announced new reporting requirements in FHA’s Single Family Default Monitoring System (SFDMS) for loss mitigation options related to the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Among other topics addressed, the ML also confirms an extension of 90 days from the expiration of the moratorium for first legal action and reasonable diligence timeframes, except for vacant and abandoned properties. Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Link to https://www.hud.gov/press/press_releases_media_advisories/HUD_No_20_066Click here to review a copy of the Press Release. Link to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfLink to https://www.hud.gov/sites/dfiles/OCHCO/documents/2020-13hsngml.pdfClick here to review a copy of the Mortgagee Letter.

Arizona’s Governor Lifts Stay at Home Order
On May 12, 2020, Arizona’s Governor issued a Stay Healthy, Return Smarter, Return Stronger Executive Order, providing for the re-opening of businesses with social distancing guidelines as specified in federal guidelines. The Order explicitly prohibits any county, city or town from issuing a conflicting order, “including, but not limited to, any order restricting persons from leaving their home due to the COVID-19 public health emergency.” Link to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfLink to https://azgovernor.gov/sites/default/files/executive_order_2020-36_return_stronger.pdfClick here to review a copy of the Executive Order. The Governor allowed the previously-issued Stay at Home Order (EO 2020-18) to expire as of May 16, 2020. However, Executive Order 2020-14 remains in place through July 22, 2020, delaying enforcement of eviction action orders for residential premises with specified documented COVID-19 impacts. The Order does not appear to limit commencement of actions or impact the requirement to pay contractual rent, and requires tenants to notify landlords of the COVID-19 impact, with supporting documentation.

Freddie Mac Announces Updated COVID-19 Payment Deferral Option
Similar to Fannie Mae, as reported yesterday, on May 13, 2020, Freddie Mac announced a post-COVID forbearance Payment Deferral solution. “The COVID-19 Payment Deferral leverages a similar concept to the recently announced Payment Deferral solution. Under the terms of a COVID-19 Payment Deferral an eligible Borrower will be brought current by deferring delinquent amounts to create a non-interest bearing balance that will become due at the earlier of the Mortgage maturity date, payoff date, or upon transfer or sale of the Mortgaged Premises. The remaining Mortgage term, interest rate schedule (i.e., whether a fixed-rate Mortgage, an ARM or Step-Rate Mortgage) and maturity date of the Mortgage will all remain unchanged.” Servicers are to begin offering the option to borrowers beginning on July 1, 2020. Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Link to https://guide.freddiemac.com/ci/okcsFattach/get/1003811_7Click here to review a copy of Bulletin 2020-15 describing the program and eligibility criteria in further detail.


Wright, Finlay & Zak's COVID-19 Update: May 13, 2020

May 13, 2020

Update on City of Los Angeles Protection and Penalty Ordinance Governing COVID-period Evictions
Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Link to https://cityclerk.lacity.org/lacityclerkconnect/index.cfm?fa=ccfi.viewrecord&cfnumber=20-0147-S19Los Angeles City Ordinance No. 186606 was published on May 8, 2020 and effective May 12, 2020, according to the information on the LA City Clerk website.

As previously reported, the Renter Protections Fact Sheet (“Protections Notice”) without modification of content or format must be provided to each residential tenant “in English and the language predominantly used by each tenant “ and “within 15 days of the effective date of this ordinance” which is May 27, 2020. An owner must also “provide the Protections Notice during the Local Emergency Period and for 12 months after its termination each time the Owner serves a notice to pay or quit, a notice to terminate a residential tenancy, a notice to perform covenant or quit, or any eviction notice …” Link to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfLink to /documents/covid19/COVID-19-Renter-Protection-Fact-Sheet.pdfClick here to review a copy of the Notice in English. Link to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsLink to https://hcidla2.lacity.org/covid-19-renter-protectionsClick here to view the Renter Protections Fact Sheets in the languages of Spanish, Armenian, Chinese, Korean, Russian and Tagalog are available on the HCID’s COVID-19 Renter Protections page. Scroll down to the heading “Not Able to Pay Your Rent During the ‘Safer at Home’ Emergency Order?” to find the notices. In the case of REO properties where information about tenants or other unknown occupants is not available, we recommend providing the Protections Notice in all of the available languages. Lenders managing REO properties and all landlords should immediately review their portfolios to identify impacted properties in the City of Los Angeles so that the Protections Notice can be sent on or before May 27, 2020. If you have questions about the application of this Ordinance to your properties, please do not hesitate to contact our office.

Fannie Mae Announces Updated COVID-19 Payment Deferral Option
On May 14, 2020, Fannie Mae announced a post-COVID forbearance payment deferral loss mitigation option. “Under this option, homeowners can resume their regular monthly mortgage payment after up to 12 months of missed payments, and the missed payments are deferred, or move, to the end of the loan term. This option is for homeowners who have completed a COVID-19 related forbearance plan and are able to continue making their full monthly contractual payment but cannot afford full reinstatement or a repayment plan to bring their mortgage loan current.” Link to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-payment-deferral-7018.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-payment-deferral-7018.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-payment-deferral-7018.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-payment-deferral-7018.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-payment-deferral-7018.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-payment-deferral-7018.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-payment-deferral-7018.htmlLink to 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Essentially, the amount of the borrower’s delinquency “moves into a non-interest bearing balance, due and payable at maturity of the mortgage loan or earlier payoff; and all other terms of the mortgage remain unchanged.”


Wright, Finlay & Zak's COVID-19 Update: May 11, 2020

May 11, 2020

Fannie Mae Identifies Reimbursable Fees Related to Notice of CARES Forbearance in Bankruptcy Matters
On May 6, 2020, Fannie Mae confirmed servicers should prepare and file Notice of Forbearance in bankruptcy matters, and Fannie Mae will reimburse for up to two notices at $100.00 per notice prepared and filed in connection with a CARES Act forbearance plan. While the fees will be reimbursed by Fannie Mae, pursuant to the CARES Act they cannot be recovered from the borrower. Link to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayLink to https://singlefamily.fanniemae.com/media/22836/displayClick here to review a copy of the announcement with additional details.

City of Los Angeles Enacts Protections and Penalties for COVID-related Evictions
Last week, the City of Los Angeles adopted Ordinance No. 186606 amending the Los Angeles Municipal Code to enact a variety of protections for residential and commercial tenants. “This ordinance temporarily prohibits evictions of residential and commercial tenants for failure to pay rent due to COVID-19, and prohibits evictions of residential tenants during the emergency for no-fault reasons, for unauthorized occupants or pets, and for nuisance related to COVID-19. This ordinance further suspends withdrawals of occupied residential units from the rental market under the Ellis Act, Government Code Section 7060, et seq.” Landlords are required to “provide written notice to each residential tenant of the protections afforded by this article (“Protections Notice”) within 15 days of the effective date of this ordinance.” The Protections Notice will be developed by the Housing & Community Investment Department. In addition to the prohibitions as to landlords, residential tenants have up to 12 months (3 months for commercial tenants) to repay rent deferred during the emergency period, and residential renters in the City now have a private right of action for up to $10,000.00 (up to $15,000.00 for elderly and disabled) in penalties against landlords who start a prohibited eviction (including issuance of a notice to quit/vacate or failure to provide the repayment plan) against those affected by Coronavirus. There is a 15-day safe harbor period for correction by landlords of violations after notice from the tenant. Link to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfLink to http://clkrep.lacity.org/onlinedocs/2020/20-0479_ORD_186606_05-12-2020.pdfClick here to review a copy of the ordinance.

Practical Analysis: CARES Forbearance Agreements

Does the CARES Act forbearance apply to loans already in default?
The COVID-19 forbearance applies to all federally-backed loans, regardless of default status. The CARES Act provides at section 4022 (b) “FORBEARANCE.— (1) IN GENERAL.—During the covered period, a borrower with a Federally backed mortgage loan experiencing a financial hardship due, directly or indirectly, to the COVID–19 emergency may request forbearance on the Federally backed mortgage loan, regardless of delinquency status…” and at section “(c) REQUIREMENTS FOR SERVICERS.—(1) IN GENERAL.—Upon receiving a request for forbearance from a borrower under subsection (b), the servicer shall with no additional documentation required other than the borrower’s attestation to a financial hardship caused by the COVID–19 emergency and with no fees, penalties, or interest (beyond the amounts scheduled or calculated as if the borrower made all contractual payments on time and in full under the terms of the mortgage contract) charged to the borrower in connection with the forbearance, provide the forbearance for up to 180 days, which may be extended for an additional period of up to 180 days at the request of the borrower, provided that, the borrower’s request for an extension is made during the covered period, and, at the borrower’s request, either the initial or extended period of forbearance may be shortened…”

Separately from the requirement to allow forbearance as described above, there is a foreclosure moratorium as set forth in Section 4022(c)(2): “(2) FORECLOSURE MORATORIUM.—Except with respect to a vacant or abandoned property, a servicer of a Federally backed mortgage loan may not initiate any judicial or non-judicial foreclosure process, move for a foreclosure judgment or order of sale, or execute a foreclosure-related eviction or foreclosure sale for not less than the 60-day period beginning on March 18, 2020.”

Thus, any loan that is already in foreclosure cannot move to the next stage of initiation (NOD), scheduling a sale (NOS) or completing a sale until May 18th. Reading these sections in conjunction, it would be possible for a borrower who is already in foreclosure or bankruptcy to request forbearance (regardless of delinquency status) and obtain up to 180 days of initial forbearance. Many servicers are providing borrowers with forbearance of 90 days now and then contacting borrowers 30 days before the end of the granted forbearance to re-evaluate. If a borrower then requests additional forbearance due to COVID-19, another 90 days must be granted for the initial total of 180 days. So, borrowers under federally-backed loans in foreclosure automatically get a hold on foreclosure proceedings to May 18th and then have the ability to request an initial 180 days of forbearance, plus the potential for another 180 days of forbearance thereafter based on ongoing COVID-19 impact.

Should the loan servicer accept/apply payments (insufficient to cure) made during the CARES forbearance period, even though no payments are required?
The servicer should handle such payments pursuant to existing CFPB Rules regarding partial payments (12 C.F.R. 1026.36(c)(1): with the option to (1) return the partial payment as insufficient to reinstate, (2) accept the partial payment and apply the funds to the next full periodic payment and retain any excess in the suspense account, (3) retain the partial payment in suspense until additional amounts are received sufficient to make the next full periodic payment. In the case of retaining the funds, we recommend issuing a reservation of rights letter, advising the partial payment was received, the default is not cured, but the loan remains in a forbearance status. There may be states outside of our non-judicial state practice area where partial payments should not be accepted, but in our Western states, the above analysis would generally apply.

When in doubt regarding application of the CARES Act, please reach out to legal counsel.


Wright, Finlay & Zak's COVID-19 Update: May 4, 2020

May 4, 2020

Fannie Mae Issues Updates to Lender Letter 2020-02
On April 29, 2020, Fannie Mae issued updates to Lender Letter 2020-02 to address principal and interest advances required by servicers on delinquent mortgage loans impacted by COVID-19. The update acknowledges the previously-announced four month maximum advances for loans in COVID-19 forbearance and provides: “We are currently evaluating operational changes to discontinue servicer advances of scheduled remittances of principal and interest payments for delinquent scheduled/scheduled remittance mortgage loans (delinquency advances) after the four consecutive missed monthly payments for mortgage loans serviced under the special servicing option. These changes will become effective for Aug. 2020 remittance activity (based on Jul. 2020 reporting activity). Additional guidance will be provided in the coming weeks.” Link to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayLink to https://singlefamily.fanniemae.com/media/22261/displayClick here to review a copy of the updated Lender Letter.

California’s Bay Area Counties Extend Shelter in Place Orders
On April 27, 2020, the counties of Alameda, Contra Costa, Marin, San Francisco, San Mateo, Santa Clara and the City of Berkeley issued a joint statement regarding their intent to extend their existing Shelter in Place Orders through the month of May but include easing of specific restrictions for certain lower-risk activities. The existing orders were scheduled to expire May 3, and have now been extended to May 31. Link to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfLink to https://cchealth.org/press-releases/2020/0427-SIP-Order-Update.pdfClick here to review a copy of the Joint statement. As of the drafting of this update, the official Orders from all counties had not yet been issued, but we are monitoring for their release and will review the specific terms of each order to determine whether the easing of restrictions will potentially apply to activity relevant to our clients, including the completion of service of process, foreclosure sales, and essential business operations processes. Available updated Orders for the counties issued April 29, 2020 include Link to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfLink to http://www.acphd.org/media/572718/health-officer-order-20-10-shelter-in-place-20200429.pdfAlameda, Link to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to https://813dcad3-2b07-4f3f-a25e-23c48c566922.filesusr.com/ugd/84606e_99711106d2074bab8ef27cc16643957e.pdfLink to 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https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfLink to https://www.smcgov.org/sites/smcgov.org/files/documents/files/Health%20Officer%20Order%20Revising%20Shelter%20In%20Place%20Through%20May%2031.pdfSan Mateo, andLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdfLink to https://www.sccgov.org/sites/covid19/Documents/05-04-20-Health-Officer-Order.pdf Santa Clara.

Arizona and Washington Governors Extend Stay at Home Orders
On April 29, 2020, Arizona’s Governor issued an order extending the existing Stay at Home Order through May 15, 2020. Link to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https://azgovernor.gov/sites/default/files/eo_2020-33.pdfLink to https:/azgovernor.gov/file/34712/download?token=aWa7Jw6LLink to https:/azgovernor.gov/file/34712/download?token=aWa7Jw6LLink to https:/azgovernor.gov/file/34712/download?token=aWa7Jw6LLink to https:/azgovernor.gov/file/34712/download?token=aWa7Jw6LClick here to review a copy of the Order. On May 1, 2020, Washington’s Governor announced his extension of the Stay at Home Order through May 31, 2020. Link to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/20-25.3%20-%20COVID-19%20Stay%20Home%20Stay%20Healthy%20-%20Reopening%20%28tmp%29.pdfClick here to review a copy of the formal Proclamation issued May 4, 2020.

Neither of the Orders in these states contains an express prohibition against foreclosure activity.


Wright, Finlay & Zak's COVID-19 Update: April 27, 2020

April 27, 2020

FHFA Confirms Loans in COVID-19 Forbearance Status Will Not Be Required to Reinstate by Lump Sum Payment
On April 27, 2020, FHFA issued a News Release to clarify information relating to post-forbearance plan alternatives. “No lump sum is required at the end of a borrower’s forbearance plan for Enterprise-backed mortgages. To help homeowners navigate the forbearance process, FHFA partnered with CFPB on the Borrower Protection Program to provide homeowners accurate information about forbearance and address concerns noted in some consumer complaints. While today’s statement only covers Fannie Mae and Freddie Mac mortgages, I encourage all mortgage lenders to adopt a similar approach.” Link to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/No-Lump-Sum-Required-at-the-End-of-Forbearance-says-FHFAs-Calabria.aspxClick here to review the Release. Accordingly, also on April 27, 2020, Fannie Mae and Freddie Mac issued similar news releases. Link to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to 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https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlLink to https://www.fanniemae.com/portal/media/corporate-news/2020/covid-19-mortgage-options-7010.htmlClick here to review the Fannie Mae release. Link to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfLink to https://freddiemac.gcs-web.com/node/19661/pdfClick here to review the Freddie Mac release. Both Enterprises indicated that their mortgage servicers will attempt to contact homeowners 30 days before their forbearance plan is scheduled to end to determine which assistance program is best for them at that time.


Wright, Finlay & Zak's COVID-19 Update: April 23, 2020

April 23, 2020

FHFA Confirms Enterprises Will Purchase Certain Loans in Forbearance Status
On April 22, 2020, FHFA announced that it is approving the purchase of certain single-family mortgages in COVID-19-related forbearance that meet specific eligibility criteria. “Due to the COVID-19 pandemic, some borrowers have sought payment forbearance shortly after closing on their single-family loan and before the lender could deliver the mortgage loan to the Enterprises. Mortgage loans either in forbearance or delinquent are ineligible for delivery under Enterprise requirements. However, today's action lifts that restriction for a limited period of time and only for mortgages meeting certain eligibility criteria. Eligible loans will also be priced to mitigate the heightened risk of loss to the Enterprises from these loans.” Link to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to 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https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to 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https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-that-Enterprises-will-Purchase-Qualified-Loans.aspxClick here to review a copy of the announcement. 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2020-06 and Freddie Mac issued Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to 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https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Link to https://guide.freddiemac.com/app/guide/bulletin/2020-12Bulletin 2020-12. Both Enterprises indicated that loans in forbearance due to a COVID-19 hardship with note dates on or after Feb. 1, 2020 and on or before May 31, 2020 may be delivered to Fannie Mae beginning May 1, 2020, and subject to certain criteria as specified in more detail in the Lender Letter and Bulletin.

Montana’s Governor Extends Foreclosure and Eviction Moratoria
In March, Montana’s Governor placed a moratorium on foreclosures and evictions, which was set to expire on April 24. The Directive indicates it applies to all liens against real property, but it does carve out an exception for foreclosures if the borrower no longer lives at the property or if the foreclosure is based on a non-monetary default, such as destruction of the property or criminal activity. As part of his Guidance for Reopening Montana Phase One, on April 22, the Governor issued a new Directive extending the moratorium until May 24 (or for vulnerable population members until 30 days after the end of the emergency or shelter at home period). Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to 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http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to 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http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Link to http://governor.mt.gov/Portals/16/Evictions%20Foreclosures%20and%20Utilities.pdf?ver=2020-03-31-162653-427Click here to review a copy of the original March Directive and Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547Link to https://commerce.mt.gov/Portals/90/shared/DOC/docs/04-22-20%20Directive%20and%20Appx%20-%20Reopening%20Phase%20One.pdf?ver=2020-04-23-082600-547click here to review a copy of the April 22 Directive containing the extension.

New Mexico Supreme Court Orders Stay on Eviction Proceedings
The New Mexico Supreme Court has placed a hold on execution of writs of restitution for evictions only for non-payment of rent and only when a tenant can articulate an impact on the inability to pay. That said, many Court and County offices have been closed, so most judicial actions are on hold anyway, hearings have been continued, etc. Link to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfLink to https://www.nmcourts.gov/uploads/FileLinks/a6efaf23676f4c45a95fdb3d71caea83/Order_No._20_8500_007__Staying_Execution_of_Writs_of_Restitution_in_Eviction_Proceedings_3_24_20_.pdfClick here to review a copy of the Order.


Wright, Finlay & Zak's COVID-19 Update: April 21, 2020

April 21, 2020

FHFA Announces Program Changes to Address Servicer Liquidity Concerns
On April 21, the Federal Housing Finance Agency (“FHFA”) addressed servicers’ concerns regarding liquidity by announcing a four-month servicer advance obligation limit for loans in forbearance. “Once a servicer has advanced four months of missed payments on a loan, it will have no further obligation to advance scheduled payments. This applies to all Enterprise servicers regardless of size.” The announcement also clarifies that loans in COVID-19 forbearance will be treated similar to natural disaster forbearance, and will not require the loans to be purchased out of Mortgage Backed Security pools. Link to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxLink to https://www.fhfa.gov/mobile/Pages/public-affairs-detail.aspx?PageName=FHFA-Addresses-Servicer-Liquidity-Concerns-Announces-Four-Month-Advance-Obligation-Limit-for-Loans-in-Forbearance.aspxClick here to review the announcement.

County of San Diego Issues Stay at Home Order
Effective April 10, 2020, the County of San Diego issued an Order of the Health Officer and Emergency Regulations good through April 30, 2020. Among other things, the Order: (1) requires all persons to remain in their homes except for employees and customers traveling to and from essential businesses or activities; (2) prohibits all public or private gatherings that bring together more than one person outside of a single family/household; and (3) requires all businesses not identified as essential to close and remain closed during the Order, unless employees and owners can operate the business from home without direct public contact. The Order cites to the CISA Critical Infrastructure Workers identified in the California Governor’s Order for a definition of essential businesses, which includes a broad description of Financial Services Sector businesses. However, the public gathering limitation will likely preclude the conduct of foreclosure sales in the County. Link to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfLink to https://www.sandiegocounty.gov/content/dam/sdc/hhsa/programs/phs/Epidemiology/HealthOfficerOrderCOVID19.pdfClick here to review a copy of the San Diego Order.


Wright, Finlay & Zak's COVID-19 Update: April 17, 2020

April 17, 2020

Washington’s Governor Enhances and Extends Eviction Moratorium
As previously reported, Washington’s Governor ordered a moratorium on residential eviction notices and restitution complaints from March 18th to April 17th, prohibiting prosecution of residential evictions except in the case of health and safety issues, waste, nuisance or criminal activity. In addition, the Supreme Court of Washington issued an emergency order that all non-emergency civil matters and trials (including eviction matters) be continued to a date after April 24, 2020. On April 16, 2020, Washington’s Governor substantially amended and extended the eviction moratoria through June 4, 2020. The Order now prohibits all notices to vacate and terminations of any dwelling tenancies that have expired or will expire during the applicable period, unless the termination is necessary for the health and safety of others due to issued created by the tenant. The prohibition also applies to enforcement of existing judicial eviction orders or agreements to vacate dwellings, with the same health and safety exception. The Order also prohibits the assessment of late fees for late or non-payment of rent or other charges related to non-payment where it occurred on or after the February 29th State of Emergency Proclamation. Incredibly, the Order also prohibits the collection of unpaid dwelling rents not paid after 2/29/20 due to COVID-19 as enforceable debts, recovery from a security deposit, credit reporting or as the subject of an unlawful detainer or other judicial action, UNLESS the landlord or collection agent “demonstrates by a preponderance of the evidence to a court that the resident was offered, and refused or failed to comply with, a re-payment plan that was reasonable based on the individual financial, health, and other circumstances of that resident.” Finally, the Order prohibits landlords from increasing rents for a dwelling and prohibits commercial rent increases if the commercial tenant has been materially impacted by COVID-19, as specified. Link to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to 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https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfLink to https://www.governor.wa.gov/sites/default/files/proclamations/20-19.1%20-%20COVID-19%20Moratorium%20on%20Evictions%20Extension%20%28tmp%29.pdfClick here to review a copy of the Order.

Wright Finlay & Zak Releases Western Region Foreclosure and Eviction COVID-19 Impact Grid
As previously reported, the ability of lenders and servicers to process foreclosure and eviction matters has been impacted by federal, state as well as local legislation and governmental orders. The CARES Act prohibited commencement, scheduling and completion of residential foreclosures and evictions through May 17, 2020 for government backed loans with HUD/FHA, Fannie Mae, Freddie Mac, VA and USDA, requiring servicers to offer up to two six-month forbearance periods upon request of borrowers impacted by COVID. Many private investors are choosing to follow the CARES Act guidelines or a proprietary version of forbearance or moratorium. For those lenders and servicers who choose to proceed with foreclosure and eviction activity on non-CARES loans, the firm has developed a Link to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to /documents/covid19/WFZ-COVID-19-Western-States-Foreclosure-Eviction-Grid.pdfLink to 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The Grid identifies relevant milestones in the foreclosure and eviction processes and whether a lender can proceed with the particular milestone given current state and local restrictions.

In reviewing the Grid and determining whether to proceed in states and local jurisdictions where it is permissible, we recommend that lenders and servicers consult with counsel before moving forward with any foreclosure or eviction during this pandemic and consider the following risks. First, in states and local jurisdictions subject to “Stay at Home” or “Shelter in Place” Orders, borrowers and sale bidders may interpret these Orders to mean that foreclosure sales will not take place as non-essential business. This may result in a lack of robust competitive bidding and may not yield the best price for the property, and borrowers may challenge this conduct as “chilling the bid.” Second, based on media coverage of “moratoria,” borrowers may be under the mistaken impression that all foreclosure activity is banned, and it may be difficult to determine the extent to which loan defaults and inability to pay or cure the default is “caused” by COVID-19 impacts. Thus, borrowers could challenge the validity of a Notice of Sale and subsequent foreclosure sale in litigation on these equitable grounds, even though the conduct of the sale was not expressly prohibited as a matter of law. Third, even if a foreclosure can be completed and title reverts to the lender, eviction proceedings will be prohibited and/or delayed, making the lender a landlord for the foreseeable future. Depending on the interpretation of your loan documents, post- foreclosure litigation attorneys’ fees may not be recoverable against the borrower where the property has been sold to a third party purchaser.

Finally, the Grid is based on the information we currently have regarding state and local orders, proclamations and ordinances on the date the Grid is updated. However, these issues are evolving daily, and each file should be reviewed with legal counsel prior to confirming particular foreclosure activity can proceed with respect to an individual property. As previously reported, we are currently aware of pending legislation in California (Senate Bill 828) proposing a complete ban on all residential non-judicial foreclosure activity and substantial limitation of residential eviction activity through 15 days following the end of any state or local declaration of COVID-related emergency. We are also aware of Senate Bill 939, proposing a moratorium on commercial evictions. The Bill would make it unlawful for a person, business, or other entity to evict a tenant of commercial real property during the pendency of the State of Emergency proclaimed by the Governor on March 4, 2020, related to COVID-19. No action has occurred on these two bills since amendment because the Legislature has adjourned until May 4. However, we expect the Legislature to seek to quickly move both of these bills as urgency legislation upon returning from recess.


Wright, Finlay & Zak's COVID-19 Update: April 15, 2020

April 15, 2020

FHA Issues Updated COVID-19 Questions & Answers
On April 14, 2020, the Federal Housing Administration issued updated Questions and Answers regarding COVID-19. Subject matter updates include the following:

  • Guidance regarding inability to obtain tax transcripts from the Internal Revenue Service during the loan origination process
  • Guidance regarding use of gap title insurance with respect to county recording office limitations or closures
  • Guidance regarding use of remote online notarization or Power of Attorney documents during loan origination
  • Guidance regarding borrower communication methods for requesting COVID-19 Forbearance to include e-mail, text, fax, teleconference, website or portals
  • Guidance regarding standard loss mitigation options available for borrowers who were more than 30 days past due as of 3/1/2020
  • Guidance regarding limitation to one COVID-19 Standalone Partial Claim for a borrower
  • Guidance regarding use of exterior only and desktop appraisals
  • Guidance regarding extension of HECM foreclosure, claim and repayment plan deadlines for 60 days
  • Guidance re monthly occupancy inspections and forbearance requests for HECM loans in due and payable status

Link to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfLink to https://www.hud.gov/sites/dfiles/SFH/documents/SFH_COVID_19_QA.pdfClick here to review a copy of the Updated Q & A Document.

CFPB and FHFA Announce Joint Initiative to Assist Borrowers
The Consumer Financial Protection Bureau (“CFPB”) and the Federal Housing Finance Agency (“FHFA”) announced a new joint initiative, “Borrower Protection Program.” Under the program, the CFPB will make complaint information and analytical tools available to FHFA via a secure electronic interface; and FHFA will make available to the CFPB information about forbearances, modifications and other loss mitigation initiatives undertaken by Fannie Mae and Freddie Mac. “In addition to working with your lender to get an answer for you, we analyze the information to better educate consumers, provide clear rules for financial institutions, and hold companies accountable,” said CFPB Director Kathleen L. Kraninger. “Through the partnership being announced today, the Bureau will share our insights with FHFA and ensure we get their data on how mortgage servicers are working with their customers during this critical time and going forward.” Link to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to 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https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to 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https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspxLink to https://urldefense.com/v3/__https:/www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspx__;!!COskAx4!VzQlevtOO9F68fyx3Y70brxQvGgJ4SBVXVaavU1Abs0ApPlaUVjGx-IQW1CgSld_xjr2dg$Link to https://urldefense.com/v3/__https:/www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-and-CFPB-Announce-Borrower-Protection-Program.aspx__;!!COskAx4!VzQlevtOO9F68fyx3Y70brxQvGgJ4SBVXVaavU1Abs0ApPlaUVjGx-IQW1CgSld_xjr2dg$Click here to review a copy of FHFA’s News Release regarding the Program.

Los Angeles County Superior Court Extends Term of Limited Service Availability
On April 14, 2020, the Presiding Judge of the Los Angeles Superior Court issued an updated Order advising that from April 17, 2020 until May 12, 2020, inclusive, all courtrooms will remain closed for judicial business, except for the following time-sensitive, essential functions:

  • Civil Temporary Restraining Orders
  • Family Temporary Restraining Orders
  • Civil Ex Parte Proceedings
  • Family Ex Parte Proceedings
  • Hague Convention (International Kidnapping)
  • Probate Ex Parte Hearings
  • Probate Emergency Petitions for Temporary Conservatorship
  • Probate Emergency Petitions for Temporary Guardianship
  • Various Other Emergency Criminal and Juvenile Processes

Link to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to 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http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfLink to http://www.lacourt.org/newsmedia/uploads/1420204141833422020-GEN-009-00AdministrativeOrderofPJreCOVID-19041420.pdfClick here to review a copy of the Order describing all ongoing emergency functions and postponements.


Wright, Finlay & Zak's COVID-19 Update: April 14, 2020

April 14, 2020

State Spotlight: California’s Governor Sets Out Path Forward to Easing of Stay at Home Orders
Without providing any specific dates or terms, California’s Governor held a press conference today to describe the six indicators he and his team (and his coalition with the Governors of Oregon and Washington) would evaluate in determining whether and when to ease the oppressive terms of the current Stay at Home Orders. The six indicators included the following:

  1. Ability to test, monitor and support those infected with COVD-19.
  2. Ability to prevent infection of high risk people (due to age or pre-existing health issues) and groups (including care facility patients and prison inmates).
  3. Ability of hospitals and health systems to handle future surges in need for care of COVID patients.
  4. Ability to develop therapeutics to meet the demand of COVID-19 potential and actual patients.
  5. Ability of businesses, schools and child care facilities to support physical distancing requirements during operations.
  6. Ability to determine when and how to quickly reinstate Stay at Home or other preventative measures, if necessary.

The Governor indicated that before any easing of Stay at Home Orders would commence, the state would need to see both hospitalizations and Intensive Care Unit admissions decline. Link to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsLink to 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https://www.gov.ca.gov/2020/04/14/governor-newsom-outlines-six-critical-indicators-the-state-will-consider-before-modifying-the-stay-at-home-order-and-other-covid-19-interventionsClick here to review a summary of the press conference.

Presently, the state of California is under a Stay at Home Order issued March 19th with exemptions for operation of essential businesses including the Financial Services Sector, defined by the Cybersecurity & Infrastructure Security Agency as “thousands of depository institutions, providers of investment products, insurance companies, other credit and financing organizations and the providers of critical financial utilities and services that support these functions,” and including:

  • “Workers who are needed to provide, process and maintain systems for processing, verification, and recording of financial transactions and services, including payment, clearing, and settlement; wholesale funding; insurance services; consumer and commercial lending; and capital markets activities” and
  • “Workers who are needed to provide business, commercial, and consumer access to bank and non-bank financial services and lending services, including ATMs, lending and money transmission, and to move currency, checks, securities, and payments (e.g., armored cash carriers).”

While the Governor and the Department of Business Oversight have “urged” financial institutions to provide loan forbearance and halt foreclosure activity related to defaults caused by COVID-19 effects, there is no mandatory ban against all non-judicial foreclosure activity in the state at this time. Senate Bill 828 proposing such a ban has not yet been passed by the legislature, which is currently in recess and scheduled to return May 4, 2020. There is a ban on judicial foreclosure and eviction activity in the court system imposed by the California Judicial Council’s Emergency Rules effective April 6, 2020. In addition, several counties and local jurisdictions have issued “Shelter in Place” or Stay at Home orders that limit the size of public gatherings and contain more narrow descriptions of essential business activity, such that conduct of non-judicial foreclosure sales has been deemed prohibited in those jurisdictions. If you have questions about the current status of the prohibitions in any particular jurisdiction in California, please contact our office and we can confirm the most up-to-date information.

Los Angeles County Amends and Extends Its Stay at Home Order
On April 10, 2020, the Los Angeles County Public Health Officer issued an updated “SAFER AT HOME ORDER FOR CONTROL OF COVID-19: Temporary Prohibition of All Events and Gatherings, Closure of Non-Essential Businesses and Areas,” good through May 15, 2020. The Order specifically requires all businesses to cease in-person operations and remain closed to the public, unless the business is defined as an Essential Business by the Order. Essential Businesses are required to implement Social Distancing Protocol and provide face coverings to all employees who require contact with other employees or the public, to wear while performing duties that involve such contact. “All public or private gatherings of any number of people occurring outside a single household or living unit are prohibited within the County of Los Angeles Public Health Jurisdiction, except for the limited purposes expressly permitted by this Order.”

The definitions of Essential Businesses include the following: “(f) Banks, credit unions, financial institutions and insurance companies;..(n) Businesses that supply other Essential Businesses with the support or supplies necessary to operate. This exemption shall not be sued as a basis for engaging in sales to the general public from retail storefronts;…(t) Professional services such as legal, payroll or accounting services, when necessary to assist in compliance with legally mandated activities, and the permitting, inspection construction transfer and recording of ownership of housing, including residential and commercial real estate and anything incidental thereto, provided that appointment and other residential viewings must occur only virtually, or by appointment with no more than two visitors at a time…” Link to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to 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https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfLink to https://covid19.lacounty.gov/wp-content/uploads/HOO_Safer-at-Home-Order-for-Control-of-COVID_04102020.pdfClick here to review a copy of the updated Order.

This Los Angeles Order including limitations on public gatherings of any size is an example of language deemed to prohibit the crying of a foreclosure sale to a group of bidders. However, it is our belief that the crying of a postponement only for the purpose of maintaining the status quo as required by applicable California non-judicial laws would be permissible to postpone the sale to a date beyond an applicable stay at home order. That said, if any law enforcement officer prohibits the crying of such postponements, of course, the agent or employee must comply, requiring the sale to be taken off calendar and renoticed.


Wright, Finlay & Zak's COVID-19 Update: April 13, 2020

April 13, 2020

Veterans Administration Issues Guidance Regarding CARES Act Implementation
On April 8, 2020, the Veterans Administration issued Circular 26-20-12: “Extended Relief Under the CARES Act for those Affected by COVID-19,” which updates the previous COVID-19 relief outlined in Circular 26-20-7 to comply with the CARES Act provisions enacted March 27, 2020. As previously reported, the CARES Act enacted a foreclosure moratorium through May 17, 2020, and provides up to two 180-day forbearance periods upon request by VA (and other federally-backed loan) borrowers. The Circular includes a special section on Exiting Forbearance, including the following guidance: “Servicers should consider all the loss mitigation options described by Chapter 5 of the VA Servicer Handbook M26-4 (including those related to disasters) in determining how to account for payments that were subject to a CARES Act forbearance. Such loss mitigation options include, but are not limited to:

  1. Repayment plans,Loan modifications,
  2. Streamline modifications,
  3. VA Affordable modifications,
  4. VA Disaster modifications, and
  5. Disaster Extend modifications….

Servicers are not to require a borrower who receives a CARES Act forbearance to make a lump sum payment, equating to what would have been due if a forbearance was not in effect, after the forbearance period ends.” Link to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfLink to https://www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdfClick here to review a copy of the Circular.

STATE SPOTLIGHT: Utah’s Governor Extends Stay at Home Order
As previously reported, Utah’s Governor initially issued a Stay Safe, Stay Home Order on March 27, 2020. On April 13, 2020, Utah’s Governor issued a Proclamation extending the existing Stay at Home Order through May 1, 2020. Link to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to https://drive.google.com/file/d/1Ypzr9sM2b0XAqKYhR37aUkZMlmM-_5av/viewLink to 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To date, Utah has not implemented any foreclosure-specific moratorium, but as previously reported, the Governor did issue an Executive Order on April 1, 2020, providing protections against eviction through May 15, 2020 for tenants who were current in rent payment as of March 31, 2020 and who were impacted by COVID-19-related loss of wages or job or personal infection or mandatory isolation related to COVID-19.


Wright, Finlay & Zak's COVID-19 Update: April 9, 2020

April 9, 2020

Fannie Mae Provides Guidance Regarding Treatment of Scheduled Foreclosure Sales
On April 9, 2020, Fannie Mae provided guidance to default firms regarding treatment of scheduled foreclosure sales in light of recent COVID-19 and CARES Act-related directives. As previously reported, the CARES Act and updated FNMA Lender Letter 2020-02 prohibit a server to “execute a foreclosure-related eviction or foreclosure sale” through May 17, 2020. This begs the question as to the required method of preventing the execution of these sales. Procedures and costs for postponement or rescheduling of foreclosure sales vary widely by state, some running up against state orders to “stay at home” or local public gathering limitations. As a result, Fannie Mae has advised that all currently-scheduled foreclosure sales shall be taken off calendar UNLESS, it is permissible to postpone, rather than cancel, a sale scheduled to occur during any applicable moratoria, AND the postponement can be accomplished (a) without the need to attend the scheduled sale location, (b) without the need to wait until the date and time of the scheduled sale to announce or effect the postponement, and (c) without the need to fix a new sale date at the time of the postponement. In the case of non-judicial foreclosure sales scheduled in our firm’s Western states of Arizona, California, Nevada, Oregon and Washington, a verbal postponement is required by applicable statutes to be cried at the time and place of the currently-scheduled sale, advising of the new sale date. As a result, firms will not be able to postpone any Fannie Mae foreclosure sales that are currently-scheduled inside the existing moratorium period through May 17, 2020, or any later-extended Fannie Mae moratorium period. Based on the above, you will see impacted Fannie Mae sales being taken off calendar instead of postponed, with the files placed on hold until the federal moratoria are terminated. The only exception to the foregoing is for documented vacant and abandoned properties.

Arizona’s Governor Accelerates Effective Date of Remote Online Notarization Statute
Arizona’s Remote Online Notarization statute (Senate Bill 1030) was originally enacted with an effective date of June 30, 2020. On April 8, 2020, Arizona’s Governor issued an Executive Order moving up the effective date of the Arizona RON program to April 10, 2020. As of April 10, 2020, Arizona licensed notaries can submit applications for approval to conduct remote online notarization. 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Wright, Finlay & Zak's COVID-19 Update: April 8, 2020

April 8, 2020

Fannie Mae and Freddie Mac Implement Temporary Moratoria on Bankruptcy Motions for Relief from Stay
Both GSEs generally require servicers to file motions for relief from the automatic stay in bankruptcy cases upon certain milestones, or based on the length of post-petition payment delinquency. In light of the CARES Act and other impacts resulting from the COVID 19 National Emergency, the GSEs are temporarily relieving servicers of the obligation to meet these timelines. This temporary suspension will be in effect for not less than the 60-day period beginning on March 18, 2020. Servicers must continue to work with their bankruptcy counsel to determine the appropriate time to file such motions. 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