Homeownership Guidance, Advice and Blogs

As the Director of Affiliate Relations at HomeFree-USA, I’ve always been fascinated with how people handle their money. Like everyone else, I’ve had my financial ups and downs. In fact, it took me 32 months to pay off $32,000 in credit card bills and build up a six-month emergency fund. While that was a very difficult period, I am grateful – and wiser -- for the experience.

Through my personal experiences and working at HomeFree-USA, I’ve gained a ton of insight that I feel compelled to share. You’ll find those lessons here. Feel free to take the thoughts and ideas that resonate with you most and put aside the rest for later. I look forward to sharing my journey.

COVID-19 Resources to Relieve Your Financial Worries

COVID-19 is causing a lot of uncertainty and increased money worries. If you are experiencing financial hardships, calm your concerns with these free resources:

Contact your utility company.  Many are suspending disconnections, waiving late fees and offering lenient repayment terms.

Here’s a list of companies serving the Washington, DC area:

Here’s a list of companies serving the Baltimore area:

  • Baltimore Gas and Electric - Call 800-685-0123.
  • Baltimore Public Works - Call 410-396-5398.


Homeowners, your mortgage lender or servicer may allow you to pause your mortgage payments for the next few months if you are experiencing a financial hardship such as job loss, income reduction or sickness due to COVID-19.

  • Call the company you pay your mortgage to and ask them about forbearance options. Be sure that you clearly understand the repayment terms and get it in writing.


Renters, evictions have been temporarily halted.

  • This applies to renters living in single-family and multifamily properties financed by federally backed mortgages (i.e., by Fannie, Freddie, and Department of Urban and Housing Development [HUD] loans) and renters living in federally assisted housing. Click here to check whether you live in a property that qualifies.


Find a local food bank.


Remain positive and in great spirits. 

Brighter days are coming.