COVID-19: How do I contact my servicer to let them know I want a FHA COVID-19 Forbearance?

Maximum mortgage repayment flexibilities are being offered to homeowners with FHA-insured mortgages due to the COVID-19 pandemic. However, you must contact your servicer as soon as you think you might not be able to make your regularly scheduled mortgage payment to request an FHA COVID-19 National Emergency Forbearance. This repayment option will allow you to defer or lower your monthly mortgage payments for up to 12 months. You can use any available means of communication to contact your servicer to request a forbearance. This includes, but is not limited to, phone calls, emails, texts, fax, mail, teleconferencing, etc.

Recently the HUD Deputy Secretary Brian Montgomery issued a YouTube video message speaking directly to homeowners with FHA-insured mortgages experiencing financial hardships caused by the COVID-19 emergency.
The video message can be viewed using the following links:

Federal and state governments have announced plans to help struggling homeowners during this time. For more information, visit:
Additional information is available in the following video: 
VIDEO: CARES Act Mortgage Forbearance: What You Need to Know is an online resource to help you find federal benefits you may be eligible for in the United States. Visit for more information and a link to the Benefit Finder, to find information on government benefits you may be eligible to receive.

All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.

Topic Number: KA-05421