State officials say Minnesotans struggling to make mortgage payments because of COVID should apply NOW for relief that’s available under the CARES Act for federally-backed loans.   Deputy state Commerce Commissioner Max Zappia says it’s essential to start the process immediately, because…

“For loans that are backed by F-H-A, the period to be approved for that mortgage relief expires on February 28th.”

That doesn’t mean the *application* must be in by February 28th — it means the deadline for the relief *being approved* is February 28th. Zappia says the first step is to talk with your mortgage servicer.   You can also get questions answered at the Minnesota Homeownership Center.