Homeowners falling behind on an FHA loan should know that:

• if your home was damaged or your income reduced because of a hurricane, tornado, flood, wildfire, or other natural or man-made event -- and your home or job is in an area that the President declared a disaster area -- your lender will not start foreclosure for 90 days. Read about what homeowners and lenders need to know.
  
  

• if you or your spouse is on active military duty, you may qualify for a reduction in your interest rate -- and, thereby, reduced payments. Read about how the Servicemembers Civil Relief Act affects military homeowners, and what lenders need to know.

• if you work with your lender, you may be able to save your home. Read HUD's Guide to Avoiding Foreclosure.

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