If you are struggling to make your mortgage payment on your FHA-insured mortgage because of COVID-19, help is available, but you must take action. Here’s what you need to know:

  1. Contact your mortgage servicer.
    Their information is on your mortgage statement or their website. If you don’t know your servicer, look them up here. For more help, contact a HUD-approved housing counseling agency in your area.
  2. Tell your servicer that you would like to pause your payments.
    This is called a forbearance. Because of the current crisis, most homeowners can temporarily stop making payments without any penalty. But you must contact your servicer.
  3. Make a plan for when your payment pause ends.
    You will not have to repay your paused payments all at once. Talk to a local housing counselor for free guidance on how to make sure your payments are affordable.

Foreclosure and Eviction Moratorium

FHA’s foreclosure and eviction moratorium is in effect through June 30, 2021. If you’re behind on your mortgage payments and occupy your property, the moratorium protects you from foreclosure and eviction proceedings.

What is Forbearance?

If you have a mortgage that is insured by FHA and you are unable to make your mortgage payment because of COVID-19, you’re eligible for FHA’s COVID-19 Forbearance.

Learn more at www.hud.gov/coronavirus/homeowners.