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Mortgage help after a disaster

If you live in a presidentially declared disaster area, you may be able to get mortgage assistance or financial help to repair or rebuild your home.


Before you apply for home loans, find out if you qualify for housing assistance from FEMA. Apply for financial assistance at

Mortgage payments on your home after a disaster

You must continue to pay your mortgage, even if a disaster damages your home. Contact your mortgage servicer if you are unable to pay. Ask your servicer if you qualify for forbearance. 

Mortgage help for homeowners with FHA loans

Borrowers with FHA backed mortgages can qualify for additional help. Answer FHA’s series of questions to determine what help you qualify for. Contact your mortgage servicer after you know the assistance you qualify for.

Get a home loan after a disaster

Get an SBA loan to repair your home

The Small Business Administration (SBA) loans money to homeowners and renters whose homes were damaged in a disaster. They are available to you even if you don’t own a business.

To qualify for an SBA home loan:

  • Your home must be in a presidentially declared disaster area.
  • The loan must be for your primary home.
  • The loan can’t duplicate benefits from insurance policies or benefit programs.

Learn about SBA loans for homes and personal property.

Learn how to get an FHA mortgage to replace your home

The Federal Housing Administration (FHA) makes it easier to get a mortgage to rebuild or buy a new home.

FHA offers mortgage insurance if your home is destroyed in a disaster. Under this program:

  • You will not have to make a down payment.
  • You will pay the FHA mortgage insurance as part of your mortgage payment.

Find an FHA approved lender to apply for an FHA disaster mortgage.

Find an FHA approved lender

LAST UPDATED: April 21, 2023


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