source:
  type: guide
  id: hud-4000-1-iii-3-programs-and-products-presidentially-declared-major-disaster
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part III — 3. Programs and Products - Presidentially-Declared
    Major Disaster Areas (04/29/2024)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part III — 3. Programs and Products -
    Presidentially-Declared Major Disaster Areas (04/29/2024).
  coverage_tier: operative
obligations:
- id: hud-4000-1-iii-3-programs-and-products-presidentially-declared-major-disaster-full
  canonical_id: hud-4000-1-iii-3-programs-and-products-presidentially-declared-major-disaster-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part III
  description: "Programs and Products - Presidentially-Declared Major Disaster Areas: 3. Programs and\
    \ Products - Presidentially-Declared Major Disaster Areas (04/29/2024) \n \n \n3. Programs and Products\
    \ \na. Presidentially-Declared Major Disaster Areas (04/29/2024) \ni. Disaster Declarations \nUnder\
    \ the Robert T. Stafford Disaster Relief and Emergency Assistance Act, the \nPresident has au…"
  type: do
  tags:
  - regulator-direct
  - section-complete
  - hud
  - 4000-1
  - curated
  primary_source:
    tier: 1
    authority: FHA Single Family Housing Policy Handbook 4000.1, Part III — 3. Programs and Products -
      Presidentially-Declared Major Disaster Areas (04/29/2024)
    source_class: hud-handbook
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-05-23T00:28:40Z'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: "3. Programs and Products - Presidentially-Declared Major Disaster Areas (04/29/2024)\
      \ \n \n \n3. Programs and Products \na. Presidentially-Declared Major Disaster Areas (04/29/2024)\
      \ \ni. Disaster Declarations \nUnder the Robert T. Stafford Disaster Relief and Emergency Assistance\
      \ Act, the \nPresident has authority to declare a major disaster for any area which has been affected\
      \ \nby damage of sufficient severity and magnitude to warrant major disaster assistance. \nDisaster\
      \ declarations and information regarding available federal assistance for each \ndisaster incident\
      \ are posted on the Federal Emergency Management Agency’s (FEMA) \nwebsite. \nWhenever the President\
      \ declares a major disaster, the Mortgagee must implement the \nprocedures set forth in this section\
      \ for each designated area that is eligible for federal \ndisaster assistance. \nii. Moratorium\
      \ on Foreclosures \nThe Mortgagee must observe a moratorium on foreclosures of FHA-insured HECMs\
      \ \nsecured by Properties located in Presidentially-Declared Major Disaster Areas \n(PDMDA) following\
      \ the disaster declaration. The foreclosure moratorium is: \n• applicable only if the HECM is Due\
      \ and Payable for reasons other than the \ndeath of the last remaining Borrower and is not subject\
      \ to a Deferral Period; \n• effective for a 90-Day period beginning on the date of the disaster\
      \ declaration \nfor that area (HUD may communicate further specific guidance for extension \nof\
      \ moratorium periods for individual disasters); and \n• applicable to the initiation of foreclosures\
      \ and foreclosures already in process. \nDuring the foreclosure moratorium, Mortgagees are granted\
      \ an automatic 90-Day \nextension for all servicing deadlines, including the deadlines for requesting\
      \ to call a \nHECM Due and Payable and providing notice to HUD of loans which have \nautomatically\
      \ become Due and Payable. \nHUD provides the Mortgagee an automatic 90-Day extension from the date\
      \ of the \nmoratorium expiration date to commence or recommence foreclosure action or \nevaluate\
      \ the Borrower for loss mitigation. Where foreclosure has not been initiated, \nthe Mortgagee may\
      \ submit a request for an extension to HUD’s foreclosure-related \ndeadlines through Home Equity\
      \ Reverse Mortgage Information Technology \n(HERMIT) when prohibited from performing a required\
      \ activity due to the \nforeclosure moratorium."
    drafter_attestation: Verbatim section from snapshot 8c03836f77f317e1; boundary human-curated + substring-verified
      (2026-07-23).
  judgment: false
