The U.S. Department of Housing and Urban Development on Thursday announced a 90-day extension for its foreclosure moratorium for many single-family-home mortgages impacted by the Los Angeles County wildfires.
Originally scheduled to expire on April 8 2025, the moratorium prohibits mortgage servicers from initiating or completing foreclosure actions on FHA-insured single-family forward or Home Equity Conversion mortgages in the Los Angeles County Presidential Major Disaster Declaration (PDMDA) area.
The moratorium will now expire on July 7, 2025.
HUD also shared these tips for wildfire victims.
- 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 (1-800-877-8339 or TTY 1-800-877-8339) for assistance.
- Borrowers and renters who need immediate housing and disaster recovery assistance; HUD-certified housing counselors are prepared to provide guidance on the available options. 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 or (202) 708-1455 (TTY).
- 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 or purchase new homes.
- 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 and the costs of repair or renovation through a single mortgage.
HUD Secretary Scott Turner made the announcement while touring a disaster zone in Altadena with Los Angeles Supervisor Kathryn Barger, whose district includes the Altadena area.
“HUD’s extension of the foreclosure moratorium is a lifeline for wildfire survivors in Los Angeles County who are facing immense hardship,” Barger said in a statement.
“I appreciate Secretary Turner’s leadership and commitment to ensuring that families impacted by these devastating fires have the time and support they need to recover. This critical relief will help stabilize our communities as we work together to rebuild and heal.”
