Expiring COVID-19 Forbearance Relief for FHA Borrowers

Date Posted: Tuesday, June 22nd, 2021

As you know, hardships from the COVID-19 pandemic continue to be felt across the economy.  This unprecedented, 18-month event has resulted in a burgeoning foreclosure crisis among FHA-insured borrowers. Currently there are well over 300,000 borrowers who are at least 60-days delinquent on their mortgage and who have not yet sought help from their mortgage servicer to avoid future foreclosure.

Please review the flyer and text below, regarding mortgages insured by the Federal Housing Administration:




You will receiving this flyer if your mortgage is a Federal Housing Administration (FHA) insured mortgage.  If you are current on your mortgage payments or are already on a mortgage payment forbearance, please disregard this letter. 

We understand that you may be struggling and unable to make your mortgage payments due to the COVID-19 pandemic.  If you are 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 you.

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