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Mortgage Relief for Disaster Survivors

This act aims to assist individuals whose homes are damaged or destroyed by a declared disaster. It allows for a temporary pause in mortgage payments for up to 180 days, with a possible extension, without incurring additional fees or interest. This helps citizens affected by natural disasters focus on recovery without immediate mortgage payment worries.
Key points
Ability to pause mortgage payments for 180 days for homes damaged by disaster.
Option to extend the payment pause for an additional 180 days.
No extra fees, penalties, or interest accrue during the payment pause.
Applies to federally backed mortgage loans, regardless of delinquency status.
article Official text account_balance Process page
Introduced
Citizen Poll
No votes cast
Additional Information
Print number: 119_HR_2928
Sponsor: Rep. Chu, Judy [D-CA-28]
Process start date: 2025-04-17
Lustra uses Artificial Intelligence. Verify details in source documents.
Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Mortgage Relief for Disaster Survivors Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_2928.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2025-04-17.

What are the main provisions?

Key points include:

  • Ability to pause mortgage payments for 180 days for homes damaged by disaster.
  • Option to extend the payment pause for an additional 180 days.
  • No extra fees, penalties, or interest accrue during the payment pause.
  • Applies to federally backed mortgage loans, regardless of delinquency status.
What is the specific legal status?

The current status is Introduced.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Chu, Judy [D-CA-28].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Financial Services.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-22.

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