The federal foreclosure moratorium has ended. Struggling homeowners may still be able to keep their homes.

Now that the federal moratorium on mortgage foreclosures has ended, homeowners will have to reckon with thousands of dollars of overdue payments that were paused for more than a year. But don’t despair, there’s still a lot of help available.

President Biden announced on Tuesday a temporary halt on evictions in many parts of the country, but the initiative did not specify additional relief for homeowners who have fallen behind on mortgages because of the pandemic.