What is the Government Doing to Help Victims of the California Wildfire?

The U.S. Department of Housing and Urban Development (HUD) is stepping up to assist those affected by the recent wildfires and straight-line winds in California, starting from January 7, 2025. 

Following President Biden's official disaster declaration for California, particularly Los Angeles County, HUD is rolling out a series of measures to support recovery and rebuilding efforts.
 

Immediate Relief for Homeowners:

HUD has paused foreclosure actions for 90 days on homes with mortgages insured by the Federal Housing Administration (FHA), including those under the Section 184 Indian Home Loan Guarantee program, and this pause also applies to Home Equity Conversion Mortgages. 

This means if the FHA backs your home loan or is a part of these programs, your house won't be foreclosed on for now, giving you some breathing room. 

If you're dealing with such troubles, it's vital to get in touch with your loan service provider as soon as possible for further help.

Need more info or assistance? Call the FHA Resource Center at 1-800-304-9320.
 

Insurance and Loans for Repair and Rebuilding:

Homes completely destroyed or heavily damaged can take advantage of HUD's Section 203(h) program, which offers FHA insurance to victims for rebuilding or completely replacing their homes through 100% financing options.

There's also the Section 203(k) loan program, which helps people finance both purchasing or refinancing a home, and the cost of its repairs through one single loan. 

This means if your house needs to be fixed up, you can borrow the money for both the house and its repairs together.
 

More Help and Information Sharing:

HUD will share information with FEMA and the State about housing providers that might have available housing in the affected areas. This includes info on Public Housing Agencies and Multi-Family housing owners with available units.

HUD is also offering more flexibility to local government and community organizations that receive certain HUD funds, allowing them to use this money in ways that can help with disaster response and recovery more effectively.
 

Support for Public Housing Authorities and Tribes:

Public Housing Authorities in the disaster area can ask for waivers to better support disaster relief and recovery efforts.

Tribes and their housing entities can seek administrative flexibility for housing assistance through regulatory waivers as well.
 

Counseling and Support Against Housing Discrimination:

HUD-approved housing counseling agencies are available to offer guidance and help determine the best course of action and available resources.

If anyone faces housing discrimination during this tough time, HUD’s Office of Fair Housing and Equal Opportunity is there to help. You can file a complaint if you feel your rights have been violated.

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In summary, HUD's mission continues to be about building strong, resilient communities and ensuring everyone has access to quality, affordable homes. 

For more details about HUD's efforts and programs, you can visit their website or contact them via phone.

Find out if you're eligible for more housing support here!