Lost Your Home in a Disaster? Claim This 100% Mortgage

October 12, 2026

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David Ghazaryan

Owner / Broker / Banker

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TL;DR

The FHA 203(h) loan is a vital resource for disaster victims, offering a path to homeownership without a down payment. Here is a brief overview:

100% Financing: This program provides mortgage insurance that allows lenders to offer loans covering the full purchase price, eliminating the need for a down payment.
Strict Eligibility: To qualify, your previous primary residence, whether owned or rented, must have been severely damaged or destroyed and located within a Presidentially-Declared Major Disaster Area (PDMDA).
Versatile Use: Funds can be used to either purchase an existing single-family home or to finance the construction of a new home, including rebuilding on your original lot.
Key Deadlines: Applicants must adhere to a strict one-year deadline from the date of the disaster declaration and provide specific documentation to prove their residency and the extent of the damage.

Read the full blog article here: https://www.iqratemortgages.com/blog/fha-203h-disaster-loan-in-florida-a-complete-guide

Video Transcript:

Disaster strikes. Many think they need cash for another home. I’m David Ghazaryan. I make this work with government insurance. The government promises lenders they will not lose their money. This means renters can buy their first home right away. But you must apply for this help within one year. For more of my analysis, see links in the description.

Read Blog Here: https://www.iqratemortgages.com/blog/fha-203h-disaster-loan-in-florida-a-complete-guide

David Ghazaryan

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