Effective June 26th, 2020 the Finger Lakes Region, which includes Monroe County, is in Phase FOUR of reopening. Re-opening refers to non-essential businesses and business activities. Essential businesses and business that are open will remain open throughout each phase of the plan.
For additional information on New York’s plan to reopen and how industries are categorized please visit: https://forward.ny.gov/industries-reopening-phase
Activity or Industry-specific Statewide COVID guidelines can be found at https://forward.ny.gov/statewide-guidelines
Under the NY Reopening Process, which have been authorized by a series of Executive Orders from Governor Cuomo, local governments are tasked with enforcement. Our goal is to educate, not punish. That said, if residents do report violations of the NY Forward Guidelines, whether it is employee or patron-related, the Town is obligated to follow up and issue a notice of violation, if observed.
New York State continues to increase testing capacity for COVID-19 on a daily basis. Testing is crucial to ensuring that people are able to receive the care they need, as well as limiting the exposure to non-affected individuals.
To find a test site near you, please visit: https://coronavirus.health.ny.gov/find-test-site-near-you or visit https://www.monroecounty.gov/health-covid-19-testing
Town facilities are open to the public. Upon entering, you may be screened for contact tracing purposes. Please do not visit Town facilities if you feel sick.
Now more than ever, our home is the center of our life – it’s where we work, it’s where our children learn, and it’s where we stay to keep our friends, family, and community safe. That’s why in these challenging times, it is vital to make sure everyone who has been economically impacted by COVID-19 knows about the programs and resources to help them work with their mortgage lenders to stay in their home. If you’re among those financially impacted by the virus, new federal and state programs, as well as programs made available through your lender may be able to help.
If you have questions or need advice, The Housing Council at Pathstone has specialists waiting to speak with homeowners by calling 585-546-3700. Additional information is available on their website: https://www.thehousingcouncil.org/covidresources
COVID-19 Frequently Asked Questions NYS Foreclosure, Eviction and Consumer Debt
For more information, visit Empire Justice Center’s resource site here: https://empirejustice.org/resources_post/covid-19-faq-nys-foreclosure-eviction-consumer-debt/
Emergency Rent Assistance
Individuals seeking assistance with paying their back rent to avoid eviction are encouraged to call 211/Lifeline by dialing 211 or 1-877-356-9211. 211 can help with a variety of needs, including but not limited to, emergency rent assistance. Representatives are available 24 hours a day, 7 days a week. They will ask questions and provide information to help you determine if applying for this program is appropriate or, if not what other services are available. For more information about eligibility and how to get started, please visit: https://211lifeline.org/newspdfs/2021-feb-eligibility-english-spanish.pdf
Consumer Financial Protection Bureau Information for Homeowners and Renters
Forbearance is when your mortgage servicer or lender allows you to pause or reduce your mortgage payments for a limited time while you build back your finances. For most loans, There will be no additional fees, penalties, or additional interest (beyond scheduled amounts) added to your account, and you do not need to submit additional documentation to qualify. You can simply tell your servicer that you have a pandemic-related financial hardship.
Forbearance doesn’t mean your payments are forgiven or erased. You are still obligated to repay any missed payments, which, in most cases, may be repaid over time or when you refinance or sell your home. Before the end of the forbearance, your servicer will contact you about how to repay the missed payments.
You may have a right to a COVID hardship forbearance if:
you experience financial hardship directly or indirectly due to the coronavirus pandemic, and
you have a federally backed mortgage, which includes HUD/FHA, VA, USDA, Fannie Mae, and Freddie Mac loans.
For mortgages that are not federally backed, servicers may offer similar forbearance options. If you are struggling to make your mortgage payments, servicers are generally required to discuss payment relief options with you, whether or not your loan is federally backed.
If your loan is backed by HUD/FHA, USDA, or VA, the deadline for requesting an initial forbearance is June 30, 2021. If your loan is backed by Fannie Mae or Freddie Mac, there is not currently a deadline for requesting an initial forbearance.
Your initial forbearance plan will typically last 3 to 6 months. If you need more time to recover financially, you can request an extension. For most loans, your forbearance can be extended up to 12 months. Some loans may be eligible for up to 18 months of forbearance, depending on when your initial forbearance started. Other limitations may apply.
If your mortgage is backed by Fannie Mae or Freddie Mac : You may request up to two additional three-month extensions, for a maximum of 18 months of total forbearance. But to be eligible, you must have been in an active forbearance plan as February 28, 2021.
If your mortgage is backed by HUD/FHA , USDA , or VA : You may request up to two additional three-month extensions, for a maximum of 18 months of total forbearance. But to qualify, you must have requested an initial forbearance plan on or before June 30, 2020. Not all borrowers will qualify for the maximum.
For additional information on available resources for your housing situation, please visit: https://www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/
The Irondequoit Community Cupboard is always here to help. They are always in need of donations as well. For more information about how you can pick-up food or donate, please call 336-9107 or visit www.irondequoitcommunitycupboard.org.
Town Playgrounds are re-opened with the follow guidelines.
The Spray park located at Camp Eastman is still closed until further notice.
Cabins at Camp Eastman are available for rental, for parties up to 50 people. Please click here for more information.