Housing Resources

COVID-19 Housing Resources

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Housing Resources

Rental Assistance | Eviction Moratorium | Legal Resources | Homeowner Resources


The City has a COVID-19 Emergency Rental Assistance Program for families and individuals impacted by COVID-19. The program is managed by the Fair Oaks Community Center and is intended to help households who have experienced a loss of income due to COVID-19 and have no other alternative sources of income, such as paid leave or unemployment insurance. If you are in need of rental assistance due to COVID-19, please submit an online application.  Please note that successful application completion does not guarantee rental assistance.

warning iconDue to high demand and limited resources, as of May 11, all new applicants will be placed on a waitlist in the order received.

We will address the waitlist after the initial wave of applications has been processed and pending availability of funds. The earliest that we will know if we are able to move applicants from the waitlist to the regular application list will be early June. 

Worried about eviction? See important information below.

Dado la alta demanda para asistencia y recursos limitados, efectivamente a partir del 11 de mayo, todas las nuevas aplicaciones recibido van a estar colocada en una lista de espera en el orden recibido.

Vamos a dirigirnos a la lista de espera después de procesar las aplicaciones recibidas en la ola inicial y dependiendo de la disponibilidad de fondos.  Lo más pronto que vamos a saber si podemos mover aplicantes de la lista de espera hacia la lista regular de aplicaciones será a principios de junio. 

Preocupado sobre posible desalojo?  Ver información importante abajo.



 1 The best way to start the process is to fill out an online application. Online applications are strongly encouraged to expedite the review of your request. If you are unable to complete the online application, you will be instructed to call to complete the process.

Online Application Links  English | Spanish

Online Application Frequently Asked Questions (FAQs) English | Spanish

If you need additional help with food or other essential services, please click here 


Be prepared to upload required documents:

Online Application Help / ¿Necesitas ayuda con la aplicación? CLICK HERE


  • Written verification that you are unable to pay all or part of your rent due to loss of income from loss or reduction in work hours as a result of COVID-19
  • Lease or Rental Agreement.
  • Official ID for all adults in the household.

Questions about documents? Necessary documents are described in more detail during the survey process. Everyone experiencing difficulties paying their rent during this time is encouraged to apply. We are here to help.


We will review your application and uploaded documents and call you within 10 working days. Although you may be worried about being evicted if your rent is not paid by April 1st, the San Mateo County Board of Supervisors passed a countywide emergency eviction moratorium that prevents landlords from evicting tenants for non-payment of rent due to COVID-19 impacts.



On March 24, 2020, San Mateo County approved an emergency regulation that established a countywide eviction moratorium. The emergency regulation prevents landlords from evicting tenants for non-payment of rent due to COVID-19 impacts or no-fault terminations. The emergency regulation is applicable to residential tenants, including mobile homeowners. On May 26, 2020, the San Mateo County Board of Supervisors approved a 30-day extension. The Emergency Regulation is now set to expire on June 30, 2020.

Before taking any action to evict a tenant for non-payment of rent or no-fault terminations, landlords must notify their tenants of the emergency regulation using this form.

If a tenant cannot pay rent due to COVID-19 impacts, they must notify their landlord within 14 days of receiving the emergency regulation notice.  

This emergency regulation does not relieve a tenant from their obligation to pay rent. Tenants are required to pay their landlords the late rent within 90 days following termination of emergency. Tenants may request up to three 30-day extensions however they must notify their landlord and provide documentation supporting their request. Landlords may not charge or collect a late fee for a delayed rent payment.

For additional information, please visit the San Mateo County COVID-19 Eviction Regulations webpage.

Frequently Asked Questions regarding emergency regulations for residential tenants directly impacted by the COVID-19 pandemic.


On April  28, 2020, San Mateo County approved an emergency regulation that established a countywide moratorium on rent increases, effective immediately through May 31, 2020. The emergency regulation prevents landlords from imposing a rent increase on an existing tenant, if the tenant demonstrates an inability to pay an increased rent due to the COVID-19 pandemic. The emergency regulation is applicable to existing tenants for residential properties (including mobilehomes and mobilehome spaces) except those that are exempt from rent limits under California Civil Code Sections 1947.12 (AB 1482) and 1954.50, et seq. (the Costa-Hawkins Act).

Before giving a rent increase, landlords must provide their tenants with written notice of this Emergency Regulation using this form.

If a tenant is unable to pay an increased rent due to COVID-19 impacts, they must notify their landlord within 14 days of receiving the Emergency Regulation notice from the landlord.  

During the moratorium period, this emergency regulation provides an affirmative defense to eviction in the event the eviction is based on the tenant’s failure to pay a rent increase. A landlord’s failure to comply with this emergency regulation will void any notice of rent increase served during the moratorium period.

For additional information, please visit the San Mateo County COVID-19 Rent Increase Regulations webpage and if you have any questions, please contact San Mateo County at covid19@smchousing.org

Frequently Asked Questions regarding the rent increase moratorium. 


  • Community Legal Services of East Palo Alto  (650) 326-6440  Website
  • Legal Aid Society of San Mateo County   Main: (650) 558-0915 | Housing Clinic: (650) 517-8911  Website
  • Project Sentinel (650) 399-2149 Website
  • San Mateo County Eviction Moratorium Summary English | Spanish
  • San Mateo County Eviction Moratorium FAQ English | Spanish
  • Eviction Moratorium – Letter to Landlord Template English | Spanish



Fannie Mae & Freddie Mac Mortgages

The Federal Housing Finance Agency (FHFA) suspended foreclosures and evictions for borrowers with single-family home mortgages. So, if your mortgage is backed by Fannie Mae or Freddie Mac, you may be able to suspend or lower your payments for up to 12 months if you’ve lost income due to the COVID-19 pandemic. Any late payments would not be reported to credit agencies. For additional information, please visit the following websites.

Federal Housing Administration (FHA) Insured Mortgages

The Federal Housing Administration (FHA) has also announced a 60-day moratorium on foreclosures and evictions for holders of FHA-insured mortgages on single-family homes.

For further information about your FHA-insured mortgage, contact the National Servicing Center at 877-622-8525.  For other questions, contact the FHA Resource Center at 800-CALL-FHA (5342).

Website | Email: Answers@HUD.gov

Other Mortgage Relief Resources

Wells Fargo, U.S. Bank, Citi and J.P. Morgan Chase have agreed to 90-day waiver of payments for those who have been impacted by COVID-19 and Bank of America is deferring mortgage payments on a monthly basis until the crisis is over. Additionally, nearly 200 state-chartered banks, credit unions, and servicers  are offering mortgage relief options, including San Mateo Credit Union which is offering first mortgage forbearance of up to 6 months. To see if your lender is offering mortgage relief, please review this list of participating financial institutions or contact your lender directly.

It is important to note that while these mortgage payments will be suspended in some cases, this is not debt forgiveness. But rather, during this time when the crisis is occurring, mortgage borrowers will not have to immediately worry about making mortgage payments if they are under duress due to the COVID-19 pandemic.

Department of Veteran Affairs (VA) Mortgages

Veterans who have questions regarding their VA home loans call, 877-827-3702, to speak with a Loan Technician. Veterans whose homes have ever been modified with VA Specially Adapted Housing grant funds, should also contact VA at 877-827-3702.