ST. PAUL, Minn. -- Since the pandemic began, many state and federal policies have been enacted to prevent renters from being evicted.

But there's also an initiative for struggling homeowners with certain types of mortgages to avoid foreclosure.

The Minnesota Department of Commerce announced the federal government has extended the period for homeowners with a Federal Housing Association-backed (FHA) loan to qualify for deferring or reducing their monthly payments for up to six months. The approval period now runs through Feb. 28.

Max Zappia, the state's deputy commissioner of financial institutions, said anyone considering applying needs to keep that deadline in mind.

"And there's an important distinction there between your application being submitted and approval," Zappia cautioned. "So frankly, any borrower who is experiencing financial difficulties paying their mortgage related to COVID should contact their mortgage servicer as soon as possible, to review their options with them."

He said the sooner you act, the better your chances of being approved before the end of February. If a homeowner can delay their payments for six months, there's a possibility of a second six-month extension.

The department said in Minnesota, about 13,000 homeowners have FHA-backed mortgages that are delinquent.

Zappia clarified another important factor is once the grace period is over, the homeowner has to work out a plan to get caught up on their loan.

"Eventually, they will have to make those payments up after forbearance is over," Zappia explained. "They shouldn't expect to have to pay a lump sum, but they will have to make the payments up."

Even if you're behind on payments but don't have a federally-insured loan, he added you should still make an attempt to work out a plan with the lender.

He noted any other potential option is better than letting the loan become severely delinquent. Questions also can be addressed through the Minnesota Homeownership Center.


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Some University of Nebraska students are gaining career skills as they work to address the state's affordable housing shortage by making small, practical dwellings available in some of Omaha's most distressed areas.

The price of a new home in the U.S. has jumped from about $140,000 to more than $340,000 in the last two decades, making affordable homes harder to come by and leaving more people without a place to live. Omaha reflects the trend.

Jeffrey Day, professor of architecture at the University of Nebraska-Lincoln, said the city needs 30,000 additional housing units to keep up with demand, and 60% have to qualify as "affordable."

"The other challenge in Omaha is that 80% of the city's residentially zoned land does not allow multifamily, or even small multifamily, housing," Day pointed out. "It's really all zoned for single-family dwellings, which makes it very hard to increase density in the city in order to produce more units."

Day's student-run Fabrication And Construction Team is designing and building small, affordable housing units on lots in older parts of Omaha, with an eye toward serving the aging population. The lab is working with Partners for Livable Omaha to plan and build the houses.

Because Omaha's strict zoning laws prohibit multifamily housing, the design and construction teams are creating Accessory Dwelling Units and cottage clusters, sharing a common outdoor space. Day stressed multifamily homes will have to play a part in solving Omaha's affordable housing dilemma at some point.

"We're focusing on the single-family dwelling and looking at a very small, extremely efficient dwelling that's designed to be accommodating for aging people who might have mobility challenges or other kind of issues," Day explained. "It allows them to downsize what might have been a larger home."

Students are already constructing parts of the dwellings in the lab. Now they are waiting for city approval to subdivide some key Omaha lots and erect the homes.

Support for this reporting was provided by Lumina Foundation.


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The number of Colorado families experiencing homelessness rose by 134%, from 3,600 in 2023 to more than 8,500 families in 2024, according to new federal data.

Rep. Manny Rutinel, D-Commerce City, said addressing homelessness will be a priority in the legislative session kicking off on Wednesday. He plans to introduce a bill to strengthen the state's support infrastructure, in part by creating special regional homelessness response districts.

"So that localities -- municipalities, counties -- can build up resources and pool them together with other counties and municipalities," Rutinel explained. "So that they can take on this really important issue head on, together."

The annual point-in-time count conducted by the U.S. Department of Housing and Urban Development found 18,715 Coloradans were homeless, a 30% increase from 2023. Rutinel believes better coordination between state agencies, local governments and nonprofits can both prevent and reduce homelessness.

Cathy Alderman, chief communications and public policy officer for the Colorado Coalition for the Homeless, said it is important for multiple sectors touching the lives of people experiencing homelessness, including education, social services, transportation and health care, to lean into the challenge. For example, when people have access to health care, they're more likely to have stable housing, and a person's housing situation also affects their health.

"We often find that building that relationship with somebody who is living outside through the provision of health care means that we can get them on a pathway to housing," Alderman pointed out.

There are currently 28 housing units sitting vacant for every person experiencing homelessness in the U.S., according to a recent report, largely because developers make bigger profits building what are essentially tax-haven investments for hedge funds and the wealthy.

Rutinel stressed for most Coloradans living paycheck to paycheck, the risk of experiencing homelessness is very real.

"Unfortunately, if you don't have the resources saved up to be able to get yourself through a tough time or you don't have the family or friend infrastructure in place to house you in those moments, you end up on the streets," Rutinel observed.

Housing help is on the way for people in Alabama with mental health issues. A legislative committee has approved a new contract to help secure housing for them.

Birmingham-based nonprofit Navigate Affordable Housing will manage the initiative, to increase housing availability for Alabama's most vulnerable populations.

Bryan Penn, privacy officer for the Alabama Department of Mental Health, explained the contractor's role.

"The contractor will provide performance-based professional services," said Penn, "to secure, promote, increase, and facilitate statewide affordable supportive housing options - for those with mental health problems who are homeless, in jails, and emergency departments."

The group's $500,000 contract will be funded equally by state and federal sources. HUD data shows Alabama's homeless population grew more than 39% between 2023 and 2024.

Penn said the nonprofit will partner with the state housing finance authority - and create a housing plan that includes mental health, developmental disability, and substance abuse services.

He elaborated on what this could mean for Alabamians in need.

"It will help people have housing, it's for people who don't have housing, don't have any place to go," said Penn, "and housing could be halfway house, it could be apartment, it could be more than likely something that other agencies are involved with."

Despite the recent increase in homelessness, Alabama remains one of only 13 states with fewer than 10 homeless individuals per 10,000 residents.




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