Washington, DC


As the impacts from the COVID-19 pandemic continue to ripple across our nation, an escalating foreclosure crisis among FHA-insured borrowers is reaching a cataclysmic point impacting hundreds of thousands of borrowers. We understand that many homeowners may be struggling and unable to make mortgage payments due to the COVID-19 pandemic. 

If you are current on your mortgage payments or are already on a mortgage payment forbearance, please disregard this letter. 

If you or someone you know are one of the many FHA-borrowers in communities across the country having difficulty paying your mortgage due to the pandemic, we urge you to act now.

FHA’s special COVID-19 mortgage payment forbearance is currently available to FHA-insured borrowers.

There are two ways to get more information on the special COVID-19 mortgage payment forbearance:

First, contact your mortgage servicer,

the entity to which you make your mortgage payments.

If you are unable to contact your mortgage   servicer right now, get help from a HUD-approved Housing Counseling Agency.


·       Call, email or visit the website of your mortgage servicer using the contact information on your monthly mortgage statement.


·       State that you have a financial hardship due to COVID-19 and request a COVID-19 forbearance.  A COVID-19 forbearance allows you to reduce or suspend your mortgage payments for a period of time.





·       Contact a HUD-approved housing counseling agency in your local area. To find a HUD-approved agency, call (800) 569-4287, or use the online search at www.hud.gov/housingcounseling  

·       Explain your situation. Housing counselors are trained to assess your financial situation and explain the options available to you.


·       A HUD certified housing counselor may be able to help you work with your mortgage servicer to obtain a COVID-19 forbearance.

You are not alone during these difficult times.  The COVID-19 mortgage payment forbearance is available now so please seek assistance to obtain this option.


HUD Office of Housing Counseling

Beware of scams: You can view a copy of this letter on the U.S. Department of Housing and Urban Development’s web site at: www.hud.gov/housingcounseling.  Homeowners and renters can visit consumerfinance.gov/housing for up-to-date information on their relief options, protections, and key deadlines.

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