Mortgage Relief for Disaster Survivors Act

This bill provides mortgage forbearance for homeowners and multifamily property owners with federally backed loans (such as FHA, VA, USDA, or federally securitized mortgages) in areas affected by federally declared disasters. Borrowers can request a 180-day payment pause during the disaster period, extendable by up to 180 more days, with no additional fees, penalties, or interest accruing beyond scheduled amounts. Servicers must grant this forbearance promptly upon request, regardless of the borrower's loan delinquency status. The policy applies to disasters declared on or after January 1, 2025.