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If your income was reduced because of an injury related to the natural disaster, contact your FHA loan officer right away to discuss the details of your case. In some very important circumstances, your FHA mortgage will not be foreclosed upon for ninety days after the payment date.

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January 19, 2020
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FHA.com is a privately owned website, is not a government agency, and does not make loans.

What if I Fall Behind on My Payments?

FHA Common Question #18

In some very important circumstances, your FHA mortgage will not be foreclosed upon for ninety days after the payment date. These circumstances include a reduction or loss of income from natural disasters such as Hurricane Katrina, wildfires, and other events if your home is in an area declared by the President as a natural disaster area.

There are guidelines for this 90-day delay, and those who are current on their FHA mortgage payments should continue to pay if possible. If your income was reduced because of an injury related to the natural disaster, contact your FHA loan officer right away to discuss the details of your case. You may have more assistance and leniency than you realize as many people are unaware of the full extent of their options in the wake of such natural or man made disasters recognized by the President. In other cases, falling behind on an FHA mortgage requires quick action.

Regardless of your circumstances, do NOT ignore correspondence from your lender! It is very important to act immediately to avoid foreclosure. A housing counseling agency can be of great help. Contact (800) 569-4287 or TDD (800) 877-8339 to locate the housing counseling agency nearest you.

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