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Mortgage Relief for Disaster Survivors: Payment Forbearance.

This act allows individuals with government-backed mortgages in disaster-declared areas to pause their mortgage payments. It aims to provide financial relief after a disaster, without incurring extra fees or interest. The law applies to disasters declared on or after January 1, 2025.
Key points
Ability to pause mortgage payments (for 180 days, with extension option) for those affected by a disaster.
No additional fees, penalties, or interest accrue during the forbearance period.
Applies to federally backed mortgages for single-family homes and multi-family properties.
Forbearance can be requested regardless of prior payment delinquency.
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Status: Introduced
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Additional Information
Print number: 119_S_2569
Sponsor: Sen. Schiff, Adam B. [D-CA]
Process start date: 2025-07-31
System Note: Lustra is free, publicly auditable civic infrastructure — full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source—always verify them if you can.
Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
AI work logs for this document launch

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_S_2569.

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

When did the legislative process begin?

The process officially started on 2025-07-31.

What are the main provisions?

Key points include:

  • Ability to pause mortgage payments (for 180 days, with extension option) for those affected by a disaster.
  • No additional fees, penalties, or interest accrue during the forbearance period.
  • Applies to federally backed mortgages for single-family homes and multi-family properties.
  • Forbearance can be requested regardless of prior payment delinquency.
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 Sen. Schiff, Adam B. [D-CA].

What is the latest detailed status?

The latest detailed status is: Introduced in Senate

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-23.

What is the impact of this bill?

We don't know—that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge.

CATEGORIES

Real Estate Benefits