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Contact your lender as soon as possible to make arrangements for your loan if you need a modification. You should also make arrangements if you expect to have difficulty with on-time mortgage payments in the wake of a natural disaster.

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

FHA and HUD Announce Disaster Relief for Borrowers in Washington

February 2, 2022

FHA and HUD Announce Disaster Relief for Borrowers in Washington
The U.S. Department of Housing and Urban Development has issued a press release announcing federal disaster relief for parts of Washington State affected by natural disasters late in 2021. The following counties are officially federal disaster areas:
 
  • Clallam
  • Skagit
  • Whatcom
The HUD press release also announced the naming of federal disaster areas for:
 
  • The Lummi Nation
  • Nooksack Indian Tribe
  • Quileute Tribe
This federal relief is intended to “supplement state, tribal, and local recovery efforts in the areas affected by flooding and mudslides” from November 13 to November 15 in 2021. Borrowers in these areas should also contact FEMA to see what options may be offered by that agency.

Those who own homes in these affected counties or tribal areas should contact their loan servicers immediately. Be sure to ask about FHA and HUD relief, loan modification options that may be offered to you, and foreclosure prevention remedies. The FHA and HUD offer a variety of options for those with FHA mortgages, but under the federal relief programs, you may be able to apply for FHA refinance loans to repair or replace homes purchased under other loan programs.

Immediate Foreclosure Relief

In federal disaster areas, there is a 90-day moratorium “on foreclosures of Federal Housing Administration (FHA)-insured home mortgages commenced on the date of the Presidential major disaster declaration. This also applies to the foreclosures of mortgages to Native American borrowers guaranteed under the Section 184 Indian Home Loan Guarantee program” according to  HUD.gov.

Rehabilitation Loan Options For FHA and Non-FHA Homeowners

The FHA offers purchase and refinance loans that can help you repair, rebuild or replace homes damaged in federal disaster areas such as those named above. These options include FHA 203(k) Rehabilitation Mortgages and FHA 203(h) Rehabilitation Loans. These can be applied for to buy or refinance.

The 203(k) Rehab loan is offered to any financially qualified applicant regardless of disaster issues, but the FHA 203(h) is specifically for survivors of natural disasters in federally declared areas. You may be allowed to apply for and use BOTH rehabilitation loan programs together when recovering from a disaster. 

Call your lender or contact the FHA Resource Center (1-800-304-9320) for further information.

Do not delay if you need help with your mortgage--contact your lender as soon as possible to make arrangements for your loan if you need a modification. You should also make arrangements if you expect to have difficulty with on-time mortgage payments in the wake of a natural disaster.

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