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Table of Content

• How to Return to My Rewards Every Day Portal
• Web Login
• What’s included in your Healthy Blue Rewards program?
• Myrewardseveryday Com Login

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If you have a non-incentivized program, you also have access to many digital resources at no cost to you. If you have an incentivized program, you can earn rewards for completing certain activities. Types of incentives available may vary based on the Healthy Blue Rewards program selected by the employer sponsor. Google Safe Browsing notifies when websites are compromised by malicious actors.

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How to Return to My Rewards Every Day Portal

Healthy Blue Rewards can help you learn how to strengthen your mental and social health, get better sleep, and improve your financial well-being. Sign in to your Healthy Blue Rewards account to see your specific rewards. Registered MY REWARDS EVERY DAY Perks at Work members, and growing... For your security, please log out of any remaining open internet connections. Please enter your details below and click 'Login' to continue.

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We offer several Healthy Blue Rewards program packages, including incentivized and non-incentivized options. Additionally, some tools are available all year long while others may only be available during a predetermined program period. Find out all about your Healthy Blue Rewards program by logging in to your secure account and choosing Healthy Blue Rewards. To use our new program, click the above link or visit and log in using your existing username and password. Start by registering or logging in to your secure account to access the Healthy Blue Rewards portal.

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What’s included in your Healthy Blue Rewards program?

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Mercer Marketplace 365+ has the right solutions and trusted experience to help you understand your health insurance choices and assist you in making the best decision for your family. Independent licensees of the Blue Cross Blue Shield Association serving 21 counties in Central Pennsylvania and the Lehigh Valley. Communications issued by Capital Blue Cross in its capacity as administrator of programs and provider relations for all companies. Incentives are subject to the plan’s and program’s terms and conditions. Explore all of our member resources to get the most out of your health plan.

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Stay connected to Healthy Blue Rewards 24/7 through the online portal and/or mobile app – just register for your program to get started. If you previously registered for Healthy Blue Rewards, you’ll need to reenroll for the new calendar year. Healthy Blue Rewards has many features and tools to help you manage your health.

This digital wellness program includes a portal and an app with a highly personalized experience to help you on your health journey. Whether that’s achieving your healthy weight, managing stress, discovering nutrition for better health, or other healthy goals, Healthy Blue Rewards can help. This program helps you stay motivated and empowered to make healthy choices and stay up to date with important personal health milestones. If you're interested in making healthy lifestyle changes, we'll help you connect with other resources covered by your plan.

How to use Google Home and Assistant as a smart alarm clock

Table of Content

• Interested in Alarm.com?
• How to Change the Google Home Alarm Sound
• Wake Me Up
• How to Check Active Alarms
• More Google Assistant how-to guides

Those were some interesting things about alarms on Google Home. You can even create Google Assistant routines at the time of your alarm. For instance, you can have a routine where the lights will turn on and the Assistant will tell you about your day. You can view the active alarms for your Google Home device in two ways — using voice and from the Google Home app. The biggest device is the Google Nest Hub Max, which also features alarm-setting capabilities.

You can either set alarms ad-hoc, or you can set up recurring alarms for the likes of work or school days. Or “Ok, Google, set Bach music alarm for 6 AM every day”. To turn up the volume, swipe clockwise on the top of the Google Home device. To turn the volume down, swipe counterclockwise on the top of your Google Home device. If you have a Google Home Mini , tap on the device’s right side to turn the volume up and on the left side to turn it down. Tapping it ten times in a row will completely mute your device.

Interested in Alarm.com?

Similar to music alarms, you can wake up to the voice of your favorite characters. Imagine waking up to your favorite song from Spotify! Well, that’s possible with the help of music alarms in Google Home.

You can choose any song you want to be your media alarm on Google Home. Is your google home’s alarm volume too loud or too quiet? Did you change the volume settings, and yet alarm volume doesn’t change? That’s because there’s a separate controller for alarm and timer volume.

How to Change the Google Home Alarm Sound

Alarm will sound for ten minutes if not turned off. Swipe up from the bottom of your screen, and tap Alarms. Alarm will sound for 10 minutes if not turned off. Google Home Max by tapping the line on the top or right side.

You’ll be using voice commands to control the Google Home features, such as the alarm. Google Home offers four types of alarms – general, media, character, and sunrise alarms. While you can use the Google Nest display to set the alarm, you can set a specific song as an alarm on Google Home with just one voice command. However, you can only change the general default alarm with the Google Nest display. By using media alarms you can set your favourite music as an alarm tone. You can also select any song, any artist, genre or playlist from your default music service in The Google Home app.

Wake Me Up

Google Assistant smart speakers with displays, like the Nest Hub, of course, also feature dedicated clock displays with a range of digital faces to choose from. However, you can also choose to use a regular Google Home smart speaker, such as the Nest Home Mini. They will only be played through the Google Home displays or speakers.

You can set your favorite music as an alarm. Alarm tones can be changed on Nest displays once you start an alarm. You can't change general alarm tones on speakers. Google Home has two versions Displays and Speakers, and for now there is not a method to change alarm tones in Google Home Speakers, but only on Home Displays. To do so, you would need to set a media alarm. Featuring a variety of music and character alarms, Google Home and Googe Nest speakers will genuinely make your mornings a little sunnier.

How to Check Active Alarms

Open the Google Home app on your device and tap the ‘Alarms’ icon in the bottom right corner. To set it at Minimum Volume say, “OK Google” or “Hey Google” and then say, “Minimum Volume” and your Google Home Mini will set the volume at level 1 or minimum level. The scale to do it is either 1 to 10 or 1% to 100%. Hey Google, set Kill This Love alarm for 7 a.m.

Now, when the alarm goes off, your Google Home will say the name of the alarm and play a sound. You can snooze the alarm by saying “Ok Google, snooze” or by tapping the Snooze button in the app. You can also create new alarms by tapping on the ‘+’ icon in the top right corner. You can set fun alarms from some of your favourite characters for an entertaining and easy way to get your day started. You can set fun alarms from some of your favorite characters for an entertaining and easy way to get your day started. There you can adjust the volume for all or any of your alarms or media.

Nest Hub is a a smart speaker with a 7-inch screen that is 4.5 inches tall and seven inches wide. It has 2 microphones and a touchscreen interface. You can set a recurring daily alarm that goes off every single day or you can create one that repeats on the same day each week. If you need to cancel the alarm, say “Ok Google, stop” or “Ok Google, cancel my alarm.” You can also tap the cancel button in the app. From here, you can view all of your current alarms.

Tap the microphone at the bottom of the screen. Using the Alarm.com username and password, log into Alarm.com and link the account to the user's Google Home. Verify you are logged into your Google account in the Google Assistant app.

Setting up an alarm is one of the basic features of a smart speaker. Unlike the usual alarm clocks, smart speakers such as Google Home and Home Mini offer many features related to alarms. Let’s find out in this guide of how to use alarms effectively on Google Home. To change the alarm sound on Google Home, first, open the Google Home app on your mobile device. Then, tap the Devices icon in the upper right corner of the screen and select the device you want to adjust.

From here, you can set an alarm by tapping the plus sign in the bottom right corner. On Nest displays, you can set alarms to gently wake you up. When a Sunrise Alarm is set, the screen will gradually brighten until it is time to wake up. You can set general alarms, play your favourite music or choose a character as an alarm with just your voice. Alarms will sound for ten minutes if not stopped or snoozed.

Do you hate waking up to the sound of your phone beeping wildly? If so, then it's probably time to spice up your mornings with your favorite song or the voice of your favorite cartoon character. Another simple one - you can ask Google Assistant to play ambient sounds or music and you can also set a sleep timer so it stops playing after a certain amount of time. To set up regular alarms, say, "Hey Google, set an alarm for 8.30am every day" or similar, and the Assistant will repeat back to you the recurring alarm. The list of characters might be changed over time, it’s best to check online which ones are currently available. Your kids will surely love this Google Home feature, and maybe they’ll take less time to get up and prepare for school.

How do you separate hydrogen from oxygen?

Table of Content

• What happens if you breathe pure oxygen?
• What is the cheapest way to produce hydrogen?
• Can a car engine run on hydrogen?
• How do you separate nitrogen and hydrogen from ammonia?
• Which gas is obtained from the fractional distillation of liquid air?
• Step 1: Electrolysis of Water - an Explanation

Every water molecule includes two atoms of hydrogen and one atom of oxygen. We use a process called electrolysis to break apart water molecules into hydrogen and oxygen. Electrolysis uses an electrical current to split the molecule apart.

A lot of the energy consumed to separate the hydrogen and oxygen through electrolysis is lost in form of heat. This is why scientists are looking for new ways to separate hydrogen from water without electrolysis. I will show you today how hydrogen can be separated from water in three different ways.

What happens if you breathe pure oxygen?

Many people think of hydrogen as a gas that is produced when you light a match, but it’s actually quite an important element in our everyday lives. Hydrogen is powerful because it can be turned into energy by using electricity. By making the water more conductive, the current from the battery flows through more easily which results in the water being split into hydrogen and oxygen more effectively. We already increased a lot the efficiency of tap water electrolysis by adding baking soda salt to it. We created a more conductive electrolyte and so increased the productivity.

This means that someone who breathes pure oxygen would need to wear a suit to protect them from absorbing any health risks from the gas. This water can also be stored in containers for a long time.Hydrogen water is a type of water that can be frozen. It has the ability to freeze at -196 degrees Celsius, which is very low temperature.

What is the cheapest way to produce hydrogen?

There will be more bubbles coming from the hydrogen pencil because there is twice as much hydrogen as oxygen in each water molecule. Sharpen both ends of 2 #2 pencils so the graphite is exposed. Make sure to remove the eraser at the top of the pencil. Not all medical gas suppliers will fill a tank you bring in. You will usually need to use one of their tanks. Make sure to check with your local supplier before buying an outside tank.

When it does, it produces energy that can be used to generate electricity or run factories. The question of how long hydrogen lasts in water is a question that has been asked for centuries. Hydrogen and water are two of the most common elements in the world. Hydrogen can be found in water, air, and other animals. It is a colorless gas that has the ability to break down organic materials. Theoxidation ofH2O toO2 can be accomplished in a variety of ways, including hot air balloon electrolysis or using solar energy to generate electricity.

Can a car engine run on hydrogen?

The 6V battery has 3 graphite electrodes inside. Open it carefully, extract the electrodes and clean them properly. Even being the third most abundant element on our planet’s surface hydrogen is not easy to get.

Learning about this potential fuel of the future is important and interesting. Besides, hydrogen is a powerful fuel, and blowing stuff up in the name of science is fun . PdAg and PdCu alloys are widely used as hydrogen separation membranes (Mordkovich et al., 1992; Paglieri and Way, 2002). However, palladium is a very expensive noble metal, and thus incurs a cost. Hydrogen fuel is much more efficient than gasoline, but it’s also four times more expensive, roughly equivalent to about $16 a gallon.

The graphite works really well as it doesn’t dissolve or get damaged in the water while you conduct the experiment. All you need to do is pour it in and then stir it around a little bit to help it dissolve. You don’t need to fill it all the way to the top, so leave a little bit of room. If the water is warm, it will conduct the electricity more effectively but it will also still work just fine with cold water.

Oxygen toxicity is lung damage that happens from breathing in too much extra oxygen. An element is the simplest form of matter that has a unique set of properties. Examples of well-known elements include oxygen, iron, and gold . Elements cannot be broken down into a simpler substance.

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Separate Hydrogen and Oxygen From Water Through Electrolysis. The air in the Earth’s atmosphere consists of nitrogen, argon, oxygen, carbon dioxide and many other gases. … Some compounds such as carbon dioxide never liquefy. So, oxygen can be separated from nitrogen by fractional distillation of liquid air because the two elements have different boiling points. In thermolysis, water molecules split into their atomic components hydrogen and oxygen.

Oxygen has low melting and boiling points, so it is in a gas state at room temperature. Cryogenic liquids are liquefied gases that have a normal boiling point below 130F . … Oxygen is often stored as a liquid, although it is used primarily as a gas.

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Air is filtered and cooled until it reaches -200C. Hydrogen is flammable because it contains a very high concentration of water molecules. It also requires energy to overcome the change in entropy of the reaction. One simple way to make hydrogen at home is the reaction between aluminum and water. Aluminum is very reactive but the aluminum oxide layer forming on it’s surface keeps water making direct contact with aluminum particles. To overcome this sodium hydroxide can be added to water to continually disrupt the aluminum oxide from it’s surface.

Before presenting the experiment in front of the class, make sure you understand the process. Safety equipment like as goggles and gloves are recommended. Place the cardboard on top of the glass so the pencils are submerged. The way you cut the cardboard earlier means that it should sit nicely on top of the glass.

Thanks to Biden, Homeowners are Getting Extra Stimulus Payments

Table of Content

• COVID19 Economic Relief
• When can people expect to receive new stimulus checks?
• The American Rescue Plan
• Save more with a mortgage refi program in 2022
• Services
• DEFCON COVID

Visit your state government’s website to see what unemployment assistance is available where you are. You can find contact information for your state government and agencies here. Call your landlord ASAP if coronavirus-related issues mean you’re unable to pay rent. Many private mortgage lenders, big and small, have announced help for customers who are financially affected by COVID-19. Homeowners simply have to “claim” they’re going through financial hardship by sending in a hardship letter saying they’ve been affected by COVID-19. Either agency could own your mortgage as they own the majority of U.S. home loans.

Homeowners with conforming loans backed by Fannie Mae or Freddie Mac have options for mortgage relief. For homeowners who need to exit forbearance but don’t qualify for a refinance, a final option could be a loan modification. Once your forbearance period reaches its end date, you’ll have a few options for how to exit forbearance and repay your missed loan payments.

COVID19 Economic Relief

It has also been revealed people who were on unemployment in 2020 may be able to get a tax break this year. Some are keeping an eye on this plan to see if afourth stimulus checkis eventually included. Larger, new residential and commercial buildings would be required to use heat pump systems beginning in 2028. To encourage the transition, the state is utilizing significant financial incentives. — The New York State Climate Action Council on Monday passed a sweeping plan to guide the state’s ambitious climate goals aimed at drastically slashing the state’s emissions in the coming years. Heat pumps cost more to install than traditional furnaces but usually cost less to operate over the long run.

While lesser-known, the Homeowners Assistance Fund provides billions of dollars to homeowners to prevent them from losing their homes. The Biden administration provided other means of assistance to homeowners and renters. Perhaps the single largest and most important measure has been the nationwide moratorium on evictions, blocking landlords from evicting tenants who are behind on their rent until after the pandemic. The eviction moratorium has repeatedly been extended for additional periods; it is currently set to expire at the end of June.

When can people expect to receive new stimulus checks?

For starters, check this spreadsheet of local housing programs, compiled by the National Low Income Housing Coalition, to find rental assistance programs currently operating in your state or county. Renters have protections during COVID, too, although they’re less robust than the relief programs offered to homeowners. Read on to learn more about each of these programs and how to request relief if you’re experiencing financial hardship. You can no longer apply or be accepted for this mortgage relief program. Reach out to your mortgage lender or loan servicer to learn more. Your loan advisor will help you understand the types of relief available and which one is right for you.

And loan modification may be available to those with longer-term relief needs. By lowering your mortgage interest rate and/or extending your loan term, you can typically reduce your monthly payment and take some pressure off your budget. When most people think of government or Congress mortgage relief, they’re thinking of HARP — the Home Affordable Refinance Program. HARP was a government program rolled out by the Federal Housing Finance Agency in 2009. For nine years, it helped millions of homeowners refinance after being hard hit by the housing crisis.

The American Rescue Plan

However, Fannie Mae and Freddie Mac (the ‘GSEs’) both have options to help homeowners who are struggling with their mortgage payments. To find out whether you qualify for mortgage assistance, reach out to your mortgage loan servicer. In February, President Biden directed federal housing regulators to extend mortgage forbearance programs for an additional six months and prolong other foreclosure relief programs. More than 3 million households are behind on their mortgage payments, and nearly 1.7 million will exit their forbearance period in September. However, loan modification is typically seen as a last resort for homeowners who can’t refinance or take advantage of other mortgage relief programs.

The newly-passed American Rescue Plan — a $1.9 trillion relief bill championed by the Biden Administration — includes measures to help homeowners as well as renters and the unemployed. Originally set to expire at the end of December 2020, these protections have been extended through the beginning of 2021 to continue supporting homeowners affected by the pandemic. To qualify for a refinance, you’ll need to meet some basic criteria. As a result, many homeowners are eligible to refinance but just don’t know it yet.

The American Rescue Plan will lower or eliminate health insurance premiums for millions of lower- and middle-income families enrolled in health insurance marketplaces. This will help well over a million uninsured Americans gain coverage. The first $10,200 of unemployment benefits will be tax-free for people with incomes less than $150,000. To learn how working Americans will receive their direct payments, read this blog.

In particular, understand that any money you don’t pay now will have to be paid later. Since March 2020, homeowners have had certain protections under the CARES Act. "We have people dying on the streets all over the country, so now's not the time to be meek about what we can accomplish," he said. There's reason to believe that the Biden administration's plan to address these surges is a promising one, Berg said. And while evidence shows that the picture might be better overall since the start of the pandemic, the number of unhoused people is multiplying in expensive cities like Los Angeles and New York. Advocates praised the ambitiousness of the plan, as well as its emphasis on homelessness prevention measures.

The requirement will affect all units that apply for building permits beginning in 2025. Buildings account for nearly one-third of the state’s current carbon emissions. The climate action plan calls for a big transition in the way they are heated. – A state commission today approved plans to phase out fossil fuel-burning furnaces beginning as soon as 2025 as part of New York’s aggressive program to address climate change. At the beginning of the COVID-19 pandemic, Avery’s employer transitioned to working from home and reduced her role to part-time. Since then, she has been struggling to pay for usual household expenses like rent and utilities.

Some states offer additional free tests to residents, including California, Michigan, Minnesota and Wisconsin. Every insurance plan now covers Covid tests, including eight free or reimbursed tests per month. The aid can also be applied to help with delinquent property taxes, homeowner's association fees, internet service and other expenses. "We kept our commitment — Democrats and Republicans — of sending $1,400 rescue checks to 85 percent of American households," Biden said. The pathway points towards the longer-term goal of having 85% of homes and commercial buildings electrified with heat pumps and thermal energy networks.

Data shows that high inflation, rent spikes that are only starting to fall off, and an unaffordable housing market have all contributed to rising homelessness in the US. The Treasury Department, the Office of Fiscal Service, and the Internal Revenue Service provided three rounds of fast and direct relief payments during the various phases of the COVID-19 crisis. Payments from the third round continue to go out to Americans across the country. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.

Funds from the HAF may be used for assistance with mortgage payments, homeowner’s insurance, utility payments, and other specified purposes. The law prioritizes funds for homeowners who have experienced the greatest hardships, leveraging local and national income indicators to maximize the impact. In February, President Joe Biden directed federal housing regulators to extend forbearance for an additional six months and prolong other foreclosure relief programs past their December 31 deadline. Recently, some of the nation’s largest banks revealed their plans, each with a varying degree of commitment to the directive. More than 3 million households are behind on their mortgage payments and nearly 1.7 million will exit their forbearance period in September, Fox News reports. The federal government wants to mobilize additional ARP funds to create more permanent affordable housing on a state level, the Biden administration said, and support local initiatives to curtail homelessness.

Mortgages

Table of Content

• Mortgage relief refinance programs: HIRO and FMERR
• Other Ways to Get Free Covid Tests
• Financial Markets, Financial Institutions, and Fiscal Service
• Government Shared Services
• Save more with a mortgage refi program in 2022

Today, the focus is on helping homeowners who were impacted by Covid-19 lower their mortgage payments. For VA loan holders as well as veterans with non-VA mortgages, the VA offers access to professional counselors who can help you if you’re having trouble making your payment. These people help veterans figure out whether they should refinance, try to restructure their loan, or take another measure to prevent foreclosure. If you’re experiencing a temporary hardship, it’s not too late to ask about forbearance. There’s currently no deadline to make an initial forbearance request with your loan servicer.

How does the government stimulus package for 2021, known as the American Rescue Plan, impact homeowners? Economists suggest, however, that homeowners do not use this any longer than what is needed, since they will have to pay back the missing payments in the future and interest will continue to accrue during the period. Here are the two major forms of homeowner-related aid, both of which serve to prevent homeowners from losing their homes due to the pandemic. Information provided on Forbes Advisor is for educational purposes only.

Mortgage relief refinance programs: HIRO and FMERR

The IRS is still sending out the third round of stimulus checks, and many Democrats are pushing for more checks in the future. In his speech to the joint session of Congress last week, President Biden praised the impact of stimulus checks but did not comment on whether there would be more of them in the future. HOMEOWNERS can get more than $3,000-a-year in mortgage relief thanks to stimulus aid. Among the no votes on the council was Donna DeCarolis, president of Western New York gas utility National Fuel Gas. DeCarolis said the plan puts too much reliance on a single form of energy – electricity – when the existing natural gas networks could provide balance. Ground-source heat pumps, which represent about 20% of the market, use fluid circulating through underground lines to derive heat or cooling from the ground.

Jamie has been teaching her classes from home while overseeing her three teenage children’s at home schooling and helping care for her elderly parents. She is in need of an emergency financial boost to help cover the cost of rent, utilities, and food. Sam and Lee are essential workers who have been struggling to maintain their working hours while managing their children’s schooling from home. They are in need of an emergency financial boost to cover the cost of childcare.

Other Ways to Get Free Covid Tests

Any references to other sources or sites, is delivered “as is” and Sundae makes no representation or endorsement of any kind with respect to the accuracy of such information or its suitability for any particular use. Please seek the advice of an attorney, tax professional and/or financial advisor for guidance to properly evaluate particular investments and/or strategies. Extended unemployment benefit payments of $300 under the Pandemic Emergency Unemployment Compensation program through September.

To get help right away, click here for more information about Obama's home stimulus package. Homeowners aremissing out on savings worth more than $300 per monthby not refinancing their mortgage. To apply, check your state's website and follow the instructions. Plus, the homeowner’s mortgage balance must be less than $548,250. You may be eligible if you experienced financial difficulties after January 21, 2020, as well as hardship that began before this date but continued after. The HAF provides a minimum of $50 million for each state, the District of Columbia and Puerto Rico and $498 million for Tribes or Tribally-designated housing entities and the Department of Hawaiian Home Lands.

Financial Markets, Financial Institutions, and Fiscal Service

This is for people who have not owned a home within three years. The income requirements are that you can't make more than 75,000 for a single person and $150,000 for a couple. This program provides a tax credit of 10% of the value of the home or up to $8,000. This is a refundable tax credit, too, which means you don't have to owe that much to benefit from it. The home must have been purchased between January 1, 2009, and December 1, 2009, to qualify. For those who almost got under the deadline, there are some tax credits for those who purchased between April and December 2008.

A typical family of 4 with a household income of $110,000 is eligible for an average of $5,600 in rescue funds. It warns equally against those asking for any form of upfront payment or promising to get you stimulus money quicker than normal. Families will receive an additional stimulus check of up to $1,400 for each qualified dependent. The American Rescue Plan also includes direct payments of up to $1,400 for individuals with an adjusted gross income of $75,000 or less and couples with an AGI of $150,000 or less. In this way, government-backed loan holders can get forbearance for up to 18 months . Homeowners protected under the CARES Act are never required to pay back missed payments as a lump sum right when forbearance ends.

If you own a home or are in the process of paying off your mortgage, you can access an additional $10 billion program set aside for homeowners who fell behind on bills during the pandemic. The Office of Recovery Programs is providing self-resources to assist recipients of awards from its programs with questions about reporting, technical issues, eligible uses of funds, or other items. This program is targeted to those people who are current in their mortgage, but can't refinance a bad interest rate because they have lost equity when the market dropped. Traditionally, you must have a 20% equity in your home in order to refinance, but under this program, you can owe up to 105% of your home's current market value.

And similar programs, including Fannie Mae’s HIRO and Freddie Mac’s Enhanced Relief Refinance, were also discontinued. With the impact of Covid waning, Congress has wound down much of its Covid-era mortgage stimulus. ARP money is already on track to secure permanent housing for more than 100,000 people through the end of 2022, the White House said. The Biden administration announced its plan to cut US homelessness by 25% in 2 years.

How to request mortgage relief

Sundae Funding, Inc. offers loans for business purposes only and not for personal, family or household use. Student loan forgiveness is included, plus additional financial aid is available to certain students. “Today’s extended forbearance and foreclosure programs are an important step towards building stronger and more equitable communities,” the White House said. “We’re announcing our to ensure that we stay ahead of increases in COVID-19 cases and hospitalizations this winter,” said a senior administration official in a press call.

$30 million is also available for the territories of Guam, American Samoa, the U.S. Virgin Islands and the Commonwealth of the Northern Mariana Islands. If you are owed money thanks to this tax exemption and due to having already completed your tax return, the IRS will send you the money automatically.

The administration is encouraging Americans to use the tests before traveling or visiting indoors with people with compromised immune systems. Homeowners canfind out what homeowner assistance covers, how it works, and who’s eligibleon the interagency housing portal hosted by the Consumer Financial Protection Bureau . If and when your application is approved, the funds are typically sent directly to your mortgage lender and other providers.

Visit your state government’s website to see what unemployment assistance is available where you are. You can find contact information for your state government and agencies here. Call your landlord ASAP if coronavirus-related issues mean you’re unable to pay rent. Many private mortgage lenders, big and small, have announced help for customers who are financially affected by COVID-19. Homeowners simply have to “claim” they’re going through financial hardship by sending in a hardship letter saying they’ve been affected by COVID-19. Either agency could own your mortgage as they own the majority of U.S. home loans.

Most of the time, a refinance will lower your interest rate and extend your loan term — both of which result in a more affordable monthly mortgage payment. Borrowers who can’t lower their rate may still save money by spreading their remaining loan balance over a longer loan term. However, the stimulus checks are far from the only financial relief that Americans can avail themselves of during the pandemic. The Biden administration has passed a raft of financial measures in the American Rescue Plan Act, the March legislation that provided for the third stimulus check. Many of these measures have been described elsewhere in detail, including the IRS’s “plus-up” payments and increases to the Child Income Tax Credit. Homeowners who are unable to pay their mortgages due to COVID-related financial hardship can opt into a forbearance plan, which temporarily pauses mortgage payments.

Your qualifications to buy a HUD home depend on your credit score, ability to get a mortgage, and the amount of your cash down payment. The amount of unemployment income you’re eligible to receive varies by state. Individuals in these categories should reach out to their local public housing agency to learn whether they qualify for assistance. Even if your mortgage is not government-backed, you may have access to mortgage relief. Instead, you can usually opt to make larger payments until the missed sum is repaid, or ‘defer’ repayment until your loan is fully paid off or you refinance or sell the home.