Action from Secretary Turner provides immediate relief for more than 900 Federal Housing Administration (FHA) single family mortgages in impacted areas
U.S. Department of Housing and Urban Development (HUD) Secretary Scott Turner announced a 90-day foreclosure moratorium on Federal Housing Administration (FHA)-insured single-family mortgages in the areas of Kerr County, Texas, devastated by continuing severe storms, straight-line winds, and flooding that began July 2, 2025.
“Our hearts break as we witness the catastrophe unfolding in Texas,” said HUD Secretary Scott Turner. “The flash floods have claimed the lives of more than 100 Americans and displaced countless others. It is an unfathomable tragedy, and HUD will continue to provide resources and support as we pray for the Texas Hill Country community.”
There are more than 900 FHA-insured mortgages in the Kerr County Presidentially Declared Major Disaster Area (PDMDA). HUD is working with mortgage servicers and others to assess the extent of the damage and destruction to properties with FHA-insured mortgages in the designated area.
The FHA-insured single family mortgage foreclosure moratorium underscores HUD’s commitment to supporting Americans impacted by natural disasters by providing flexibility to families in the PDMDA:
- The 90-day moratorium prohibits mortgage servicers from initiating or completing foreclosure actions on FHA-insured single family forward or Home Equity Conversion mortgages in the Kerr County PDMDA. The moratorium is effective as of the President’s disaster declaration date.
- Borrowers unable to make their mortgage payments should contact their mortgage servicer for assistance as soon as practical. Borrowers may also contact the FHA Resource Center at 800-CALL-FHA (1-800-225-5342) for assistance. The FHA Resource Center is prepared to accept calls from persons who are deaf or hard of hearing, as well as individuals with speech or communication disabilities. Information on how to make an accessible phone call is available at https://www.fcc.gov/consumers/guides/telecommunications-relay-service-trs.
- For borrowers and renters who need immediate housing and disaster recovery assistance, HUD-certified housing counselors are prepared to provide guidance on the options that are available. To find a HUD-approved housing counseling agency, borrowers can use HUD’s online search tool or use our phone search by calling 800-569-4287.
- 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) loan 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 house, as well as the costs of repair or renovation, through a single mortgage.
This action supports President Trump’s major disaster declaration for the State of Texas.