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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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February 19, 2019
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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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FHA Loan Articles and Mortgage News

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First Time Home Buyers Can Get Prequalified

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Can I Get a No-Wait FHA Loan After a Short Sale?

February 1, 2019 - A short sale may be used by home owners as a method to avoid foreclosure. Regardless of the motivation for the short sale, under certain circumstances there is a mandatory three-year FHA-required waiting period.

FHA Loans In 2019 Offer Choices to Home Buyers

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First Homes, First-Time Home Buyers, and Credit Requirements

January 30, 2019 - Looking for a first home but worried about your credit scores? FHA loans feature lower credit requirements but it’s easy to forget that FICO scores are not the only criteria used to judge your ability to afford a first home loan.

FHA.com Reviews

FHA.com is a one-stop resource for homebuyers who want to make the best decisions when it comes to their mortgage. With our detailed, mobile-friendly site, individuals can access information about different FHA products, the latest loan limits, and numerous other resources to make their homebuying experience easier. Take a look at some of the reviews from other FHA.com visitors!