HUD extended FHA foreclosure moratoriums through July 10, 2025, in Fla. and other areas hit by Hurricanes Milton and Helene, giving families more time to seek help.
WASHINGTON — U.S. Department of Housing and Urban Development (HUD) Secretary Scott Turner recently announced the Federal Housing Administration (FHA) is extending by an additional 90 days its existing foreclosure moratoriums on FHA-insured single-family mortgages in the Presidentially-Declared Major Disaster Areas (PDMDAs) resulting from Hurricanes Helene and Milton. The extensions provide more time for impacted American families in devastated areas in Florida, Georgia, North Carolina, South Carolina, Tennessee and Virginia to seek federal, state or local assistance and underscore HUD’s commitment to supporting Americans impacted by the hurricanes.
“Individuals and families across the Southeast are still putting pieces of their livelihoods back together following back-to-back hurricanes this Fall,” Secretary Turner said. “HUD remains committed to the long-term recovery of these impacted communities. Today’s action will allow more flexibility as our fellow Americans continue working to stabilize their families, properties and communities.”
The FHA insures over one million single family mortgages in the Helene and Milton PDMDAs.
The moratoriums prohibit mortgage servicers from initiating or completing foreclosure actions on FHA-insured single family forward or home equity conversion mortgages in the Hurricane Helene and Milton PDMDAs through July 10, 2025. This is the second extension of the moratoriums, which were most recently set to expire on April 11, 2025.
“As Western North Carolina works to recover from the devastation left by Helene, it is crucial that we provide families with the support they need to restore their homes and rebuild their lives. Extending the foreclosure moratoriums offers vital time and flexibility for borrowers to access critical assistance, ensuring that no family is left behind as they work to recover and move forward,” Senator Thom Tillis (R-NC) said.
Congressman Greg Steube (R-FL-17) said, “I thank Secretary Turner and the Department of Housing and Urban Development for putting Florida homeowners first with their extension of foreclosure relief. As the Suncoast continues to rebuild from Hurricanes Helene and Milton, Florida families deserve our full support as we recover from the devastating impact of natural disasters. This extension from HUD is a critical step in helping our communities stay housed while they recover. I appreciate HUD’s continued attention to the needs of Floridians as we work together to rebuild stronger than before.”
Borrowers and renters
For those with a home with a mortgage insured by FHA in the disaster areas who are unable to make their mortgage payments, immediate relief is available. Homeowners are likely to have a range of options that can help them avoid the need to default on their mortgages or to sell their home or land. Borrowers should contact their mortgage servicer for assistance as soon as practical. Borrowers may also contact the FHA Resource Center at (800) CALL-FHA (1-800-877-8339; or for TTY 1-800-877-8339) for assistance.
For borrowers whose homes are destroyed or damaged to an extent that requires reconstruction or complete replacement, contact an FHA-approved lender about FHA’s Section 203(h) program. This program provides 100% financing for eligible homeowners to rebuild their home or purchase a new one.
For borrowers seeking to purchase and/or repair a home that has been damaged, contact an FHA-approved lender about FHA’s Section 203(k) loan program. This program allows individuals to finance the purchase or refinance of a house, as well as the costs of repair or renovation, through a single mortgage.
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