COVID-19 Forbearance

Habitat for Humanity of Durham’s partnership with our borrowers continues past the closing on the home. We are here to educate, encourage and to provide resources for our partners. The COVID-19 pandemic has caused unprecedented changes for many families in the Durham community and across the nation. Our commitment to assist our partners to remain in their homes will always be priority. 

In response to the pandemic, Habitat for Humanity of Durham is offering you, the borrower an opportunity to apply and qualify for a rental or mortgage forbearance. A forbearance is when your rent or mortgage payments are temporarily lowered or paused. You will pay back the payment reduction or paused payments at a later date. Your lender or servicer determines when the payments are repaid. The forbearance is intended to assist you by providing temporary relief of your obligation to make the full monthly payment, to remain in good standing and avoid excessive debt. The forbearance is available for the months of May, June and July. 

If you have been impacted by COVID-19 and have experienced a layoff, decreased hours at work, or if you are caring for yourself or someone with coronavirus, you may qualify. You may also apply for reason’s other than what was listed. Here's what you need to do: 

Step 1 - Important Dates

Apply before May 15 to receive a forbearance for May, June and July. 

Apply on or after May 16 to receive forbearance for June and July. 

Apply on or after June 16 to receive a forbearance for July. 

Step 2 - Documents

Gather required information for completing the online form. You will need your gross monthly income from February 2020 and an active email address. 

Step 3 - Complete the COVID-19 Forbearance Request Form

Click on the link above and complete the online form. You will receive a confirmation email after submission 

Step 4 - Review

Once the request has been reviewed, we will notify you of the decision made.  

If you are approved, a promissory note will be sent to you for your signature. 

    • At the end of the forbearance period, you could have the opportunity to reapply, if your circumstance requires you to do so. 
    • The promissory note will be an agreement that places the unpaid payments at the end of your loan and will become a balloon payment at the maturity date of your original note. 

If you are not approved, you could have the opportunity to reapply at another time.  

    • Borrowers in an active foreclosure are not eligible. 
    • Borrowers with an active bankruptcy case will need to contact their attorney for further direction. 

If you have questions, you may send an email to or call Lakeisha Minor at 919-724-8444.  

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Habitat Success Stories

Lal is a Burmese refugee who came to Durham after stops in India and Thailand. Lal partnered with Habitat and the Durham Literacy Center to renovate a historic home in East Durham. "There is no more fear," Lal said. "We won't have to move again because the home belongs to us."