If your home or your ability to make your mortgage payments is impacted by a Presidentially Declared Major Disaster Area (PDMDA), you may qualify for relief assistance to help you keep your home.

If you can't pay your mortgage because of the disaster, your lender may be able to help you.

How Can This FHA Disaster Relief Help Me?

If you are impacted by a PDMDA, contact your lender to let them know about your situation. Some of the actions that your lender may take are:

• If you are at risk of losing your home because of the disaster, your lender must stop or delay initiation of foreclosure for 90 days. During the term of a moratorium, your loan may not be referred to foreclosure if you were affected by a disaster. A Foreclosure Moratorium applies only to borrowers who are delinquent on their FHA loan. If you are current on your loan payments, then you should continue to make them.
• When you contact your lender they will be able to evaluate you for a forbearance plan and any available loss mitigation assistance to help you retain your home.

HUD-participating housing counseling agencies are available to help you no matter what type of mortgage you have. There is never a fee for foreclosure prevention counseling. Search online for a housing counselor in your area or call 1-800-569-4287.