Our Commitment to Keeping You Informed

Please find below information for Federal and Missouri Resources for COVID-19.

Unemployment Assistance - FAQs, Info

U.S. Department of Labor: https://www.dol.gov/newsroom/releases/eta/eta20200312-0

Coronavirus (COVID-19) and Unemployment Insurance Benefits: https://labor.mo.gov/coronavirus


Mortgage Assistance

Information from the Consumer Financial Protection Bureau: https://www.consumerfinance.gov/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/

On March 18, 2020, the Department of Housing and Urban Development (HUD) suspended all foreclosures and eviction actions on mortgages insured by the Federal Housing Administration (FHA) for the next 60 days. The Federal Housing Finance Agency (FHFA) has announced that Fannie Mae and Freddie Mac will also suspend all foreclosures and evictions for the same 60 day period.

Coronavirus Aid, Relief and Economic Security (CARES) Act has been passed by both the Senate and the House and signed into law by the President. The Act references the prohibition on foreclosures for all federally-backed mortgage loans (1-4 units) for a 60-day period and provides up to 180 days of forbearance for borrowers of a federally-backed mortgage loan (90 days for federally-backed multifamily mortgage loans, i.e., those with 5 or more units) who have experienced a financial hardship related to the COVID-19 emergency. More details to come.

Fannie Mae Loan Lookup Search Tool: https://www.knowyouroptions.com/loanlookup Freddie Mac Loan Lookup Search Tool: https://ww3.freddiemac.com/loanlookup/ 


Rent Assistance

Housing Counseling from HUD: https://www.hudexchange.info/programs/housing-counseling/

On March 18, 2020, the Department of Housing and Urban Development (HUD) suspended all foreclosures and eviction actions on mortgages insured by the Federal Housing Administration (FHA) for the next 60 days. The Federal Housing Finance Agency (FHFA) has announced that Fannie Mae and Freddie Mac will also suspend all foreclosures and evictions for the same 60 day period.


Utility Assistance

Many utility and service providers across the nation are suspending disconnections and offering special allowances or payment plans at this time. First and foremost, reach out directly to your service provider to ensure no disruption in service and to make necessary arrangements.

Ameren Missouri has created a new energy assistance program in partnership with United Way of Greater St. Louis to offer $500,000 in income relief energy assistance funds for its electric and gas customers across Missouri who are experiencing a hardship with reduced hours or a job layoff because of the novel coronavirus pandemic.

Customers can apply for energy assistance ($250 per customer account) by visiting 211helps.org/AmerenRelief if you are an Ameren Missouri customer who has been impacted by COVID-19 at your job and meet the qualifications based on household size and income (approximately $30,000 to $60,000 per year, per household). Or by visiting Heatupmissouri.org or Heatupstlouis.org or call Heat-Up Crisis Hotline at 314-241-0001 or 314-657-1599


Small Business Assistance and Loans

Small Business Disaster Loan Assistance Program: The U.S. Small Business Administration is offering low-interest federal disaster loans for working capital to Washington small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19). For more information or to apply: https://disasterloan.sba.gov/ela

SCORE is a nationwide nonprofit organization of thousands of volunteer business counselors trained to serve as advisors to business owners.
https://www.score.org/

Federal Income Tax Filing and Payment Deadline Extension: The federal tax return filing deadline is now July 15, 2020. For tax payments of up to $10 million, the IRS has also extended the deadline for both individuals and businesses to July 15, 2020. Estimated tax payments for 2020 originally due on April 15 will now be due on July 15.

Facebook Small Business Grants Program: Facebook is offering $100 million in cash grants and ad credits for up to 30,000 eligible small businesses in over 30 countries due to the effects of COVID-19. Not much information is currently available, but sign up to be included as more comes available here:
https://www.facebook.com/business/boost/grants?ref=alias

The U.S. Small Business Administration is now offering disaster assistance to small businesses in both Kansas and Missouri. Applicants can apply online and download applications at https://disasterloan.sba.gov/ela. Applicants can also call SBA’s Customer Service Center at 800-659-2955 or email disastercustomerservice@sba.gov for more information.


Other (Student Loans, Food, Internet Resources)

Student Loans Deferment: Student Loan Deferment or Forbearance
Information from the Department of Education:
https://studentaid.gov/announcements-events/coronavirus

Internet Resources:
Xfinity WiFi hotspots across the country are available to anyone who needs them for free, including non-Xfinity Internet subscribers. For a map of Xfinity WiFi hotspots, visit
www.xfinity.com/wifi. Once at a hotspot, you can select the "xfinitywifi" network name in the list of available hotspots and then launch a browser.

Internet Essentials by Comcast is offering reduced cost internet access during the COVID-19 Crisis; info here: https://www.internetessentials.com/

Industry-Specific Assistance:
Bartender Emergency Assistance Program Grant through the United States Bartending Guild Foundation for eligible industry workers that have been displaced during COVID-19:
https://www.usbgfoundation.org/

If you are a bartender, barback, bar server, or are otherwise engaged in the service or preparation of alcoholic beverages, you are eligible.

Restaurant Workers' Community Foundation (RWCF), its COVID19 Crisis Relief Fund has been established to:
i) Immediately direct money to organizations leading on-the-ground efforts in the restaurant community, ii) To bolster our impact investing budget to provide zero-interest loans to businesses to maintain payroll during closure or re-open once this crisis has passed. iii) To establish a relief fund for individual workers facing economic hardships or health crises as a direct result of COVID-19.
https://www.restaurantworkerscf.org/news/2020/3/15/restaurant-workers-community-foundation-announces-the-formation-of-restaurant-workers-covid19-crisis-relief-fund

RWCF has assembled an impressive list of resources for restaurant workers here:
https://www.restaurantworkerscf.org/news/2020/3/15/resources-for-restaurants-and-workers-coping-with-the-covid-19-emergency

One Fair Wage, Emergency Coronavirus Tipped and Service Worker Support Fund, providing free, cash assistance to restaurant workers, delviery drivers and other tipped workers and service workers.
https://ofwemergencyfund.org/help

Air Force Aid Assistance, Air Force Aid Society, offering no-interest loans and/or grants to members of the Air Force, Airmen, and families;
https://afas.org/how-we-help/emergency-assistance/

American Guild of Musical Artists (AGMA), American Guild of Musical Artists Relief Fund, offering financial assistance for rent, utilities, mental health, and medical care; as well as other basic living expenses for any AGMA member in good standing or on honorable withdrawal;
https://agmarelief.org/eligibility/

And many many more. Great collection of nationwide industry specific programs available here:
https://www.fool.com/the-ascent/research/where-find-financial-help-during-coronavirus-pandemic/

St. Louis Area Foodbank: If you or someone you know is in need of food assistance, please visit the Find Food map to locate food resources near you. You can also contact by phone at 314-292-6262 for more information. https://stlfoodbank.org/programs-services/find-food/


Eviction or Foreclosure Information

On March 18, 2020, the Department of Housing and Urban Development (HUD) suspended all foreclosures and eviction actions on mortgages insured by the Federal Housing Administration (FHA) for the next 60 days. The Federal Housing Finance Agency (FHFA) has announced that Fannie Mae and Freddie Mac will also suspend all foreclosures and evictions for the same 60 day period.


Useful Websites and Other Resources

211.org - Get Connected. Get Help. A national network providing a wealth of resources and assistance spanning from food assistance to monthly housing needs. Visit http://211.org/services/covid19 to find your local 211 and learn the assistance available to you.

Salvation Army, check in with your State's Salvation Army for what is being coordinated near you:
https://www.salvationarmyusa.org/usn/covid19/

News | The White House

Coronavirus Tax Relief | Internal Revenue Service

Treasury and IRS Issue Guidance on Deferring Tax Payments Due to COVID-19 Outbreak