Mortgage Relief for Disaster Survivors Act

Allows borrowers with federally backed mortgage loans on properties located in a federally declared disaster area to request an initial 180‑day forbearance and one additional 180‑day extension (up to 360 days total). Servicers must grant forbearance promptly for loans that meet the definitions in the Act, and while the forbearance is in effect borrowers cannot be charged additional fees, penalties, or interest beyond what would have accrued if payments were made on time. The rule applies to disasters declared on or after 2025‑01‑01.