FHA Further Extends Foreclosure Moratoriums for Borrowers Affected by Hurricanes Helene, Milton
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The Federal Housing Administration on Tuesday published Mortgagee Letter 2025-10, further extending the foreclosure moratoriums for areas affected by Hurricanes Helene and Milton through July 10, 2025.
Second Extension of the Foreclosure Moratoriums in Connection with Hurricanes Helene and Milton. This ML further extends the foreclosure moratoriums for areas impacted by Hurricanes Helene and Milton through July 10, 2025.
This second extension provides homeowners with FHA-insured mortgages in Presidentially-Declared Major Disaster Areas (PDMDAs) additional time to access federal, state, or local housing resources; consult with HUD-approved housing counselors; and/or rebuild their homes. FHA believes that further extending the foreclosure moratoriums is warranted due to the devastation caused by Hurricanes Helene and Milton, the extensive property damage sustained, and the reduced capacity for those impacted to access needed resources. Many areas in Florida, Georgia, North Carolina, South Carolina, Tennessee, and Virginia were deemed PDMDAs because of Hurricanes Helene and Milton.
Borrowers with FHA-insured mortgages located in Hurricanes Helen and Milton PDMDAs should contact their mortgage or loan servicer immediately for assistance.
FHA said borrowers can also obtain additional assistance in the following ways:
• Review disaster recovery resources from HUD and other Federal and state agencies available on HUD’s Disaster Resources web page or contact the FHA Resource Center referenced below to learn more about disaster relief options.
• Contact a HUD-approved housing counseling agency. These agencies have counselors available to assist those impacted by natural disasters in determining assistance needs and identifying available resources. Homeowners can find a HUD-approved housing counseling agency online or use HUD’s telephone look-up tool by calling (800) 569-4287. There is never a fee for foreclosure prevention counseling.
• For borrowers and renters 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 percent 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 property, as well as the costs of repair or renovation, through a single mortgage.
The provisions of ML 2025-10 apply to all FHA Title II Single Family forward and Home Equity Conversion Mortgage (HECM) programs.
Mortgagees and other interested parties are encouraged to review ML 2025-10 and contact the FHA Resource Center (referenced below) if they have questions.
