Page 2 May 7, 2020
Mortgage Relief During COVID-19:
Here’s What You Need To Know
(BPT) - In these unprecedented times, when
many families are facing physical, emotional
and financial hardships, a common question
is, “How do I keep up with my mortgage
when I’m not working?”
A home is a family’s most important asset.
But now it’s more than that: It’s where
they are hunkering down and staying safe.
That’s why there is a plan for customers to
delay monthly payments if they need help.
There are a lot of mortgage terms and
provisions on TV and in newspapers related
to the impact of COVID-19, and in some
cases, there is conflicting information. Here
are some common questions and answers
from Mark O’Donovan, CEO, Chase Home
Lending, to help guide you.
What’s payment assistance
or forbearance?
That means you won’t be expected to
make a payment for a period of time. For
example, you can start with three months
and you won’t be charged a late fee, once
you tell us you need help and sign up. We’ll
contact you during the three-month period to
make sure you’re doing OK, and we won’t
report the missed payments that come due
during the forbearance period to the credit
agencies. Before the period ends, we’ll be
in touch to discuss when you expect you’ll
be able to start paying again and how to
handle the missed payments. If you can’t
make up the missed payments at the point
that you resume making your regular payments,
we can likely defer them to the end
of the mortgage term.
How do I raise my hand?
At Chase, you can request help without
waiting to speak to an agent. Simply start
here: www.chase.com/mortgageassistance.
You’ll be able to log into your account, fill
out a short form and enroll in the payment
assistance program. You’ll avoid waiting on
hold - a process that is lengthier right now
given the thousands of customers calling
with questions. We will email or send you a
letter to confirm that you’re in the program.
Don’t worry if you don’t get it immediately.
It may take a few days, but the payment
delays start right away.
Can I just stop paying
without telling the bank?
That’s not a good idea. By signing up,
you’ll get full access to all the program
benefits - including delayed payments, no
late fees and no negative reporting to the
credit bureaus for payments due during the
forbearance period.
What if I can still pay?
Then you should. Keep making your
mortgage payments on time if you can. And
know that the program is for customers who
are suffering financial hardship resulting
from COVID-19, so help is still available
if your circumstances change as a result of
COVID-19. There are also programs to help
customers who suffer financial hardships for
other reasons, including natural disasters.
What happens after the payment
assistance period ends?
The national payment assistance program
was created to provide immediate help to
customers navigating this very uncertain time.
If you’re still not able to afford your mortgage
at the end of the initial three months, you
can request delaying payments for additional
months at the end of the forbearance period.
Many customers who can resume making
their full payment after the assistance period
can defer missed payments to the end of
the mortgage. We’ll check in with you near
the end of the assistance period to help you
understand your options.
While there is so much uncertainty right
now, we want to be here for you to help.
Stay safe and healthy. •
Finance
Entertainment
Queen & Slim is an
Emotionally Charged Odyssey
By H. Nelson Tracey for cinemacy.com
Four years ago, Daniel Kaluuya was an
unknown British actor whose most substantial
credit was a supporting role in the Johnny
English sequel. Fast forward to today, he’s
an Academy Award nominee, and more importantly,
a chameleon with something new
to say in each role. Perhaps now, he can even
be considered a marquee headliner.
Queen & Slim, available to rent on VOD,
continues Kaluuya’s ascent to stardom. In
accompaniment with three talented women,
they have created a bold new movie rare to
be found from a studio release. Jodie Turner-
Smith is the Queen to Kaluuya’s Slim, and a
brand new face on the silver screen. Writer
Lena Waithe, an established name in young
Hollywood, brings us the screenplay. And
director Melina Matsoukas, one of the biggest
names in the music video scene, makes a
grand feature film debut with this emotionally
charged film of the moment.
Queen & Slim is an odyssey in the classic
sense: our two lead characters take a journey
they did not sign up for, and along the way,
encounter characters that shape and inform
this trip, each with some interpretable subtext.
This vignette approach certainly is reminiscent
of Bonnie & Clyde, but also brings to
mind a wide swath of other inspiration, from
Homer’s Odyssey to American Honey.
Queen & Slim start their journey in Southern
Ohio and zigzag their way across the United
States. Each location is deliberately given a
name and place, unlike some road movies
which hide where characters are supposed to
be. I counted at least five states (or areas within
those states) that are given name recognition.
Matsoukas has a visual style that makes even
simple transition moments, like a car driving
across an empty road, rich with texture and
significance. At every step of the journey,
Queen & Slim encounter people who have a
choice: help these two and break the law, or
aid in their arrest, and follow the law. Most
characters pick the former, and that’s what
allows them to make their passage.
There are times where the film’s pace lacks
the sense of urgency established by the premise.
The nature of stopping along the way means
that at times, the movie’s momentum is slow.
However, with each step comes intriguing
characters and development of the two leads,
so despite an occasionally meandering pace,
there is plenty to be captivated by. Overall,
it’s a film worth seeing, for both classic movie
fans looking for the Bonnie & Clyde homages,
and also contemporary cinephiles looking for a
roster of new talent on the climb to the top. •
Film Review
Queen and Slim, courtesy of Universal Pictures.
H. Nelson Tracey.
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