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Tenants and Landlords

The City of Carlsbad continues to gather resources to help those affected by COVID-19.

For general resources, visit our relief page. 
Business resources are compiled on a dedicated page as well.
City passes temporary halt on commercial evictions


The governor issued a statewide order that halts evictions related to COVID-19 impacts through Sept. 30, 2020. The order prohibits landlords from evicting tenants for nonpayment of rent and prohibits enforcement of evictions by law enforcement or courts. It also requires tenants to declare in writing, no more than seven days after the rent comes due, that the tenant cannot pay all or part of their rent due to COVID-19. Prior to that, on March 16, 2020, Governor Gavin Newsom issued Executive Order N-28-20 authorizing local governments to provide relief from commercial and residential evictions through the end of May. 

SDG&E bills

SDG&E has suspended disconnections for nonpayments for residents and will waive late payment fees for business customers whose finances have been impacted by the COVID-19. This policy is in place until further notice. Customers who are struggling to pay their utility bills due to financial hardships stemming from the COVID-19 should call the Customer Contact Center at 1-800-411-7343 to make payment arrangements.


Sample letter to tenants
Other resources for landlords

Mortgage relief

Over 200 financial institutions, including Citigroup, JPMorgan Chase, US Bank and Wells Fargo, have agreed to the following:

  • Provide borrowers with mortgage payment delays for up to 90 days for COVID-19 related hardship, which is supported by available proof
  • No negative credit reporting for borrowers taking advantage of COVID-19 relief
  • Institutions will not initiate foreclosures or evictions for at least 60 days
  • Waive any late payment fees or penalties for at least 90 days

To learn about and apply for available mortgage relief, please contact your bank directly. Note that they are all experiencing high call volumes so it could take some time to get through. Some may offer online resources.

If your bank is not responsive, you can file a complaint with the Department of Business Oversight:

 866-275-2677 or 916-327-7585 


FHA-insured mortgages

The U.S. Department of Housing and Urban Development is suspending foreclosures and evictions for single family homeowners with FHA-insured mortgages for 60 days. This order halts all new foreclosure actions and suspends ongoing foreclosure actions in process.

Fannie Mae and Freddie Mac

The Federal Housing Finance Agency has ordered Fannie Mae and Freddie Mac to suspend foreclosure and eviction actions for at least 60 days. This foreclosure and eviction order applies to homeowners with an Enterprise-backed single family mortgage.

Loan payment delays

The Federal Housing Finance Agency announced that homeowners with Fannie Mae- and Freddie Mac-backed mortgages will have the option to claim hardship forbearance if they are facing financial hardship as a result of a COVID-19 related issue. Mortgage relief options include:

  • Mortgage payment relied by providing forbearance for up to 12 months
  • Waiving penalties and late fees
  • Suspending reporting to credit bureaus of past due payment for borrowers in a forbearance plan

More information for homeowners with a Freddie Mac-backed mortgage. 
More information for homeowners with a Fannie Mae-backed mortgage.

Landlord Mortgage Relief

On March 23rd, the Federal Housing Finance Agency announced that multifamily property owners (properties with five or more units) with Fannie Mae- and Freddie Mac-backed mortgages will have the opportunity to claim loan payment delays for up to 90 days with the condition that they suspend all evictions for renters unable to pay rent due to the impact of COVID-19.

Property owners should contact and work directly with their mortgage servicers to learn about and apply for available mortgage relief.

Other relief

The State of California Franchise Tax Board has extended the tax filling and payment deadline to July 15, 2020, for all California taxpayers.

Utility bills  
Carlsbad Municipal Water District water service will not be discontinued due to non-payment through May 31, 2020. No late fees through May 31, 2020.

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