How to Keep From Losing Your Home During a Government Shutdown

When a government shutdown occurs, it can send ripples through households across the nation — especially for homeowners. For many families, a temporary loss of income or delay in federal paychecks can make it difficult to keep up with mortgage payments, utilities, and other essentials.

At CHES, Inc., we understand how stressful this can be. The good news is that there are steps you can take to protect your home and stay on track financially, even during uncertain times.

Contact Your Mortgage Servicer Immediately

If you’re affected by the shutdown and anticipate missing a mortgage payment, contact your lender or mortgage servicer before you fall behind. Many lenders have hardship or forbearance programs designed to help borrowers through temporary income disruptions.

Ask about:

Forbearance options (temporary payment relief)
Loan modification programs to adjust your terms
Waiving late fees during the affected period
The earlier you communicate, the more options you’ll have.

Prioritize Your Expenses

If you’re facing reduced income, focus on essential expenses first — housing, utilities, and food. Defer or minimize nonessential costs temporarily. Creating a short-term budget will help you make informed decisions and avoid additional debt while things stabilize.

CHES counselors can help you review your budget and find creative ways to stretch your resources.

Know Your Rights and Resources

Homeowners have rights under federal and state law that prevent immediate foreclosure or eviction without due process. During previous government shutdowns, many mortgage servicers worked with borrowers to suspend foreclosure actions.

If you’re uncertain about your situation, contact a HUD Certified Housing Counselor at CHES, Inc. for free, unbiased advice. We can help you understand your options and advocate for solutions that protect your home.

Explore Assistance Programs

Depending on your situation, you may qualify for emergency aid from local nonprofits, community organizations, or housing programs. Some states offer mortgage assistance funds or utility relief programs to help families bridge the gap during financial hardships.

CHES maintains connections with multiple community partners and can help you identify programs available in your area.

Avoid Predatory Solutions

Be cautious of companies or individuals promising quick mortgage fixes for a fee. Unfortunately, financial uncertainty often attracts scammers. Always verify the legitimacy of any organization before sharing personal information or making payments.

CHES, Inc. is a HUD Approved, nonprofit housing counseling agency—our services are trusted, transparent, and focused on your long-term stability.

Stay Informed and Proactive

Government shutdowns can be unpredictable in length and impact. Stay updated on official announcements regarding federal pay, benefits, or relief measures. Document all communications with your lender and keep copies of letters or emails about your financial hardship.