COVID-19 HOMEOWNER RESOURCES
I am worried about paying my mortgage, what do I do?
CNE Loans
If you hold a loan serviced by CNE, please contact us immediately for payment options. Please call 423-756-6229 or email mvarnell@cneinc.org. If you need to request a loan deferment, click here for the application.
Other Providers
HERE is a helpful guide for asking about mortgage forbearance. The advice within the article encourages you to speak to a housing counselor before talking with your bank. Please contact Ethan Pope at or call 423-756-6256 for help.
If you are looking for legal resources to navigate your housing situation, please visit:
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American Bar Association Free Legal Answers for qualifying residents is a website with volunteer attorneys answering questions
Federal Loans
The CARES Act (Federal stimulus bill) passed on March 27th, 2020. If your loan is a federally-backed mortgage, please read section "Moratorium on Evictions and Foreclosures" within the link provided.
To find out if your loan is federally-backed, try one of these options.
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Freddie Mac: Getting Disaster Help
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Fannie Mae Assistance Options for Homeowners Impacted by COVID-19
Some banks are taking their own steps to support customers during this time.
- The American Bankers Association is listing out options available through a number of banks.
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Coronavirus Update: Banks, mortgage companies helping customers affected by COVID-19 (March 25, 2020)
While there is no complete list of properties that are federally backed, the National Housing Preservation Database is a good place to start.
The National Low Income Housing Coalition has just released a database on owners of multi-family units.
CNE Support
CNE staff are ready to help you navigate your lender's loan delinquency process. For help, contact Anna McPeak at or call 423-756-6221.
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Financial Counseling
CNE is providing financial counseling to anyone who needs help in creating a spending plan, prioritizing how to spend cash, what bills get paid, etc. Please contact Ethan Pope at or call 423-756-6256 for help.
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Financial Tips
In "Surviving Debt: Expert Advice for Getting Out of Financial Trouble," a team of 20 experts from the National Consumer Law Center (NCLC) walks you through how to rank debts and expenses.
The book starts with six steps to surviving debt. The first step is prioritizing debts whose nonpayment will immediately harm your family.
High priority: Rent, mortgage, auto loan, utilities and child support.
Low priority: Credit card and medical debt, student loans and debt owed to friends and family.
For all six tips, click here.