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Home Mortgage Insurance for Disaster Victims

What is Home Mortgage Insurance for Disaster Victims Program?

By way of Section 203(h), the Federal Government supports survivors in presidentially-designated calamity zones to recuperate by making it easier for them to obtain loans and become homeowners or re-claim themselves as homeowners.

Who is eligible for this program?

Persons will qualify for this program if their homes are situated in a region that was chosen by the President as a disaster area and if their houses were ruined or destroyed to such an level that renovation or replacement isrequired. Insured loans may be utilized to fund the purchase or renovation of a one-family home that will be the main home of the homeowner.

Loan Terms

Please get in touch with an FHA-approved lender for loan term details. To find an authorized lender, please go to: http://portal.hud.gov/hudportal/HUD?src=/groups/lenders

How to apply?

The borrower's application for loan insurance must be filed with the creditor within one year of the President's declaration of the disaster. Applications are created only via an FHA authorized lending institution.

To get an FHA insured loan, or look up creditor details, contact an FHA-authorized creditor: http://www.hud.gov/ll/code/llslcrit.cfm

Program Contact Information

To learn more about this program, Go to:
http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/ins/203h-dft

To get in touch with a HUD Housing Counseling agency, visit:
http://www.hud.gov/counseling/

To get in touch with the Federal Housing Administration (FHA), please use one of the below methods:
Visit them at:
http://www.hud.gov

Write to them at:
U.S. Department of Housing and Urban Development
Federal Housing Administration
451 Seventh St., SW
Washington, D.C. 20410

Call them at:
1-800-CALL-FHA (1-800-225-5342) or
via Federal Information Relay Service (w/TTY): 1-800-877-8339

Email them at:
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