When homeowners are struggling to make their mortgage payments after a major disaster, it is critical for their advocates to understand the different programs and protections enacted for their support. The majority of mortgage loans (three out of five) made in the United States are government-sponsored or government-insured, and, as a result, the rules governing how homeowners with these mortgages will be treated after disasters are somewhat uniform.
- Appendix A: Flow Chart: Homeowner Post-Disaster Road to Recovery [Note: To print, please select “Fit to Page” under Scale.]
- Appendix B: Short Summaries of Loss Mitigation Rules for Government-Backed Loans
- Appendix C: Long Summaries of Loss Mitigation Rules for Government-Backed Loans