Federal Mortgage Relief FAQ

The COVID-19 pandemic’s socioeconomic effects have left 12 percent of households behind on mortgage payments. Although the federal eviction/foreclosure moratorium has been extended until July 31, many households risk being foreclosed upon after it expires. Luckily, some at risk households can secure federal mortgage relief for up to a year.

Who Qualifies?

You are eligible for Federal Housing Administration (FHA) COVID-19 mortgage relief if:

  • Your mortgage is insured by the FHA.
  • You can’t make your payments because you were affected by COVID-19.

If you have a reverse mortgage, also known as a Home Equity Conversion Mortgage, contact your mortgage servicer for options available to you. Please note that your mortgage servicer is the company that sends you mortgage statements and bills, not the financial institution that originally made the loan.

How do I know if the FHA insures my mortgage?

You can find this information on your mortgage statement, or you can call the FHA Resource Center at 1-800-CALL FHA (1-800-225-5342) or email answers@hud.gov.

How do I request mortgage relief or an extension?

You need to directly contact your mortgage servicer (again, this is different than the institution that originally made your loan. Consult your mortgage statement and bills for information):

  • If you have not applied for relief before, you can request up to 6 months of mortgage relief, followed by another 6 months if necessary.
  • If you already started FHA COVID-19 mortgage relief on or before June 30, 2020, you can request up to two 3-month extensions after completing the first 12-month relief period.