FHA 203(h) Resources for Realtors
Helping real estate professionals educate and serve homeowners impacted by federally declared disasters. FHA 203(h) financing may provide an important path to replacement housing for eligible disaster victims.
Current Realtor Focus: Randall County, Texas
Realtors in Randall County, Amarillo, Canyon, and surrounding Texas Panhandle communities may have clients who need replacement housing after qualifying disaster damage.
View Randall County Resource PageWhy Realtors Should Know About FHA 203(h)
Many homeowners do not realize a special FHA program exists for eligible disaster victims. Realtors who understand FHA 203(h) can become a valuable resource during a difficult and time-sensitive recovery process.
- No down payment financing may be available for eligible borrowers
- Designed for replacement primary residence purchases
- Can help displaced homeowners evaluate buying instead of rebuilding
- Uses FHA underwriting guidelines
- Creates timely outreach opportunities in affected communities
How Realtors Can Help
Real estate agents are often among the first professionals homeowners contact after a disaster. Knowing this program exists can help you start the right conversation.
You do not need to become a mortgage expert. You simply need to know when to connect clients with someone who can evaluate FHA 203(h) eligibility.
How to Identify Potentially Eligible Clients
FHA 203(h) may be worth discussing when a client has suffered severe disaster damage and needs replacement housing.
Prior Primary Residence
The client owned or occupied a primary residence in a federally declared disaster area.
Severe Damage
The home was destroyed or damaged badly enough that replacement housing may be needed.
Purchase Need
The client is considering buying another primary residence instead of, or while waiting on, rebuilding.
FHA Disaster Recovery Workshop™
A complimentary educational workshop for real estate brokerages, real estate teams, Realtor associations, networking groups, and community organizations.
Available Formats
- In-person office training in select markets
- Live Zoom training available nationwide
- Brokerage sales meetings
- Team meetings
- Association or community presentations
Workshop Topics
- How FHA 203(h) disaster financing works
- How to identify potentially eligible homeowners
- Common documentation requirements
- Current active disaster areas
- Marketing and outreach strategies
- Common questions and misconceptions
Request Workshop Information
Realtor Marketing Support
Future resources will help agents educate homeowners quickly when new disaster declarations occur.
Co-Branded Flyers
Simple FHA 203(h) disaster loan handouts for affected homeowners and community outreach.
Social Media Graphics
Ready-to-post graphics for active disaster areas, county updates, and homeowner education.
Email Templates
Suggested outreach copy Realtors can send to their sphere after a qualifying disaster.
Why Partner With Matt Mortgage?
FHA disaster recovery financing is specialized, time-sensitive, and often misunderstood. The goal is to help Realtors provide practical, compliant, educational guidance to clients who may need replacement housing.
- Licensed in multiple states
- Mortgage broker access to multiple lending options
- Education-first approach
- Realtor partnership focus
- Experience creating localized mortgage marketing resources
Other Referral Partners Welcome
This resource can also help insurance agents, public adjusters, restoration contractors, roofing companies, property managers, attorneys, and community organizations who encounter homeowners after disaster damage.
If your organization serves disaster-affected homeowners, let’s connect.
Future Realtor Resource Library
As this platform grows, FHA203hLoans.com will add downloadable resources for Realtors and referral partners.
FHA 203(h) One-Pager
Quick reference sheet explaining the program in plain English.
Disaster Homebuyer Guide
Client-facing guide for homeowners considering replacement housing.
County Disaster Updates
Localized updates for affected markets and newly declared disaster areas.
Realtor FAQ
What is FHA 203(h)?
FHA 203(h) is a special FHA mortgage program designed to help eligible disaster victims purchase a replacement primary residence after a federally declared disaster.
Does the client need a down payment?
Eligible FHA 203(h) borrowers may be able to purchase with no down payment, subject to FHA, lender, borrower, property, and disaster eligibility requirements.
Can you present to my office?
Yes. Live Zoom training is available nationwide. In-person office presentations may be available in select markets and appropriate situations.
Is this only for Randall County?
No. Randall County is the current launch focus, but the FHA 203(h) program may apply in other eligible federally declared disaster areas.
Have Clients Impacted by a Disaster?
Schedule a Realtor strategy call or request information about the FHA Disaster Recovery Workshop™ for your brokerage, team, association, or community group.
Schedule Realtor Strategy Call