Mortgage Forbearance for Hurricanes

Mortgage Forbearance for Hurricanes

Going through a hurricane is always a difficult situation. Unfortunately, Hurricane Ian damaged many homes in Florida. We have been receiving many questions on what happens with your mortgage when being affected by a Hurricane.

What happens with my mortgage payments after a hurricane makes it impossible for me to pay?

  • You still owe your mortgage payments, as well as taxes and insurance even if affected by a hurricane. 
  • Don’t stop answering your phone or retrieving your email as your lender/servicer may be trying to reach you to offer various alternatives, including a forbearance agreement.
  • Seek legal advise regarding your legal rights under your mortgage AFTER a hurricane or other natural disaster.

Can I stop making mortgage payments after a hurricane?

  • You shouldn’t stop making your mortgage payments until an agreement is reached with your lender or servicer that you may do so
  • If you stop making mortgage payment after a hurricane or natural disaster, without authorization from your lender/servicer, late fees will be assessed and your credit score will drop significantly
  • Seek legal advise regarding your legal rights under your mortgage AFTER a hurricane or other natural disaster.

What are my mortgage options after a hurricane?

  • Your lender/servicer may agree to temporarily postpone your payments under a forbearance agreement for up to 6 months, but that agreement MUST be in writing.
  • Don’t accept any verbal authorization to postpone payments from the representative on the phone.
  • If your home was a total loss, you may be able to pay off your mortgage from the insurance settlement proceeds if you have the right coverage
  • Seek legal advise regarding your legal rights under your mortgage AFTER a hurricane or other natural disaster.

If you have been affected by Hurricane Ian or any other Hurricane / Tropical Storm, DO NOT PROCRASTINATE!  You only have a limited amount of time to reply to the lender.  For more information about how we can help you, call the Arcia Law Firm today at 954-437-9066.

Our Firm guarantee is that each new client will meet with an attorney, not with a secretary or paralegal.  We welcome the opportunity to meet with you and evaluate your case free of charge.

Our Firm accepts and handles cases that have been affected by Hurricane Ian such as Fort Myers, Cape Coral, Sanibel, Sarasota, Captiva, Punta Gorda, Bonita Springs, Lehigh Acres, Fort Myers Beach, Port Charlotte, Estero, Marco Island and any other city in Florida affected by a Hurricane or Tropical Storm. Call the Arcia Law Firm today at 954-437-9066 for immediate help.

Our Firm guarantee is that each new client will meet with an attorney, not with a secretary or paralegal.  We welcome the opportunity to meet with you and evaluate your case free of charge.

Our Firm accepts and handles consumer fraud, foreclosure defense, personal injury and other legal matters in Pembroke Pines, Miramar, Davie, Cooper City , Ft. Lauderdale, Plantation, Sunrise, Coral Springs, Lauderhill, Weston, Southwest Ranches, Sunrise, Margate, Oakland Park, Hollywood, Lauderdale Lakes, Hallandale, Dania, Pembroke Park, Wilton Manors, West Palm Beach, Pompano Beach, Miami, Coral Gables, North Miami, Aventura, Sunny Isles, Bal Harbour, Hialeah, Miami Lakes and throughout Florida.