HUD Extends Foreclosure and Eviction Moratorium for FHA-Insured Loans Through December 31, 2020

HUD has suspended foreclosures and evictions for FHA-insured mortgages, including reverse mortgages, through December 31, 2020, due to the coronavirus crisis.

The Federal Housing Administration (FHA), part of the U.S. Department of Housing and Urban Development (HUD), has suspended foreclosures and evictions through December 31, 2020. This moratorium is the third extension of the 60-day suspension that the FHA first put in place on March 18, 2020. FHA later extended the moratorium until June 30, 2020, and then announced a further extension until August 31, 2020.

The foreclosure moratorium stops all new foreclosure actions and suspends all foreclosure actions currently in process for FHA-insured single-family loans and home equity conversion mortgages (reverse mortgages). The moratorium, however, does not apply to vacant or abandoned properties. The eviction suspension ceases all evictions of persons from FHA-insured single-family properties, excluding actions to evict the occupants of legally vacant or abandoned properties.

To find out if you have an FHA-insured loan, you can look for an FHA case number on your mortgage contract. Sometimes, though, loans lose their FHA-insured status. Call HUD's National Servicing Center at 877-622-8525 if you have questions about your loan's status. You can also check your billing statement to see if you pay a mortgage insurance premium (MIP). MIP is what FHA calls its mortgage insurance. If you're paying MIP, then you have an FHA-insured loan. You can also ask your servicer (often your bank or lender) if you have an FHA-insured loan.

Many states and cities, as well as other governmental entities, have also enacted emergency foreclosure moratoriums and bans on evictions due to the COVID-19 outbreak. Even if the foreclosure or eviction moratorium for FHA-insured loans doesn't apply to you, one of these suspensions might.

Effective date: August 27, 2020