Vermont Flooding - Updated 8/28/23
Disaster-related mortgage help
- Call your mortgage company ASAP. Tell them you were affected by the floods. Your mortgage company may have options to help with financial hardship related to a natural disaster, such as:
- forbearance (postponing payments)
- payment deferral (adding past-due payment to the end of the loan), or
- loan modification.
- If you have a government-backed loan (FHA, USDA, VA, Fannie Mae, Freddie Mac) your servicer might be required to hold off on a court foreclosure for 90 days if you are in an affected natural disaster area. Ask the company that services your loan.
- Vermont Legal Aid can advise Vermont homeowners about past-due mortgage and other property-related charges if it’s your primary residence. Call us at 1-800-889-2047 and choose option #2.
Disaster-related property tax payment issues
- If your property was affected by the flood, and you are having difficulty paying property taxes, you can ask your town for an abatement (tax forgiveness).
- Vermont Legal Aid can advise Vermont homeowners about past-due property taxes if it’s your primary residence. Call us at 800-889-2047 and choose option #2.
Also on VTLawHelp.org
- Legal and benefits issues after a disaster like flooding
- Vermont renter / tenant FAQs after a disaster
- Filing an insurance claim after a disaster
- Applying for financial help and services from FEMA and appealing a FEMA decision
- Grants for very-low-income homeowners from USDA RD
- SBA disaster loans for homeowners and renters
- Disaster Unemployment Assistance
- Tax relief after a disaster
