In the wake of the damage and disruptions caused in Texas, Florida and other parts of the Deep South by Hurricanes Harvey and Irma, some people are finding it difficult to make their regular mortgage payments. Thankfully, most — if not all — lenders are willing to work with customers affected by natural disasters like these.

Here’s the mortgage relief available to people impacted by Harvey and Irma

Most companies are offering borrowers in the hardest hit areas more time to make their payments — called forbearance — waiving certain fees, or some combination of the two. Depending on your bank, you may need to live in an place that's been designated as a disaster area by the Federal Emergency Management Agency, but not all banks are requiring that if you've been affected by one of the storms. To check to see if you are in a disaster area, please visit DisasterAssistance.gov.

Keep in mind that whatever solution you arrive at with your bank, you will still ultimately be responsible for your payments and any interest that accrues.

The bottom line, though, is that in almost all cases you must contact your lender if you want to be considered for relief. Here, we include as much information as we have on what the biggest lenders in the U.S. are offering, as well as ways to get in touch with them.

Wells Fargo

• Providing payment relief for 90 days
• Waiving late charges for 90 days
• Suppressing any negative credit bureau reporting for up to 90 days

For relief, contact: (888) 818-9147

For more information: Disaster Assistance and Property Damage Support site

Chase

• Catch-up options on all payments that come due during that period
• No late fees during the period
• No negative information reported to credit bureaus during the period

For relief, contact: (888) 356-0023

For more information: Hurricane assistance

Quicken Loans

• Waiving late fees for those affected by the hurricanes
• Pausing credit reporting
• Offering an initial period of up to three months with no payments

For relief, contact: (800) 508-0944, option 8

For more information: Helpful Resources for People Impacted by Hurricane Season

U.S. Bank

• No specific information provided
• Contact (800) 365-7772 to inquire about your options

Bank of America

• No specific information provided, says it will contact affected customers directly with details
• Contact (800) 451-6362 to inquire about your options

PennyMac Mortgage Investment Trust

• "If you experience any financial hardship from a disaster or property damage, please contact our Customer Service Department so that we can discuss all options available to assist you with your mortgage payments."

For relief, contact: (800) 777-4001

For more information: Property Damage & Payment Assistance

PHH Corp.

• No specific information provided
• Contact (800) 449-8767 to inquire about your options

CitiMortgage

• Mortgage forbearance programs in FEMA-designated disaster areas
• Waived late fees for September mortgage payments in FEMA-designated disaster areas

For relief, contact: (800) 283-7918

For more information: Hurricane Relief (PDF)

Flagstar Bancorp

• Negative credit reporting automatically blocked for three months
• Late fees not assessed for three months
• Phone pay convenience fees waived for three months

For relief, contact: (800) 968-7700

For more information: Emergency Relief Center

loanDepot

For relief, contact: (866) 258-6572

For more information: Hurricane Disaster Relief Information (PDF)

Related Articles from clark.com:

• Credit Freeze Guide: The best way to protect yourself against identity theft Read More
• Don't sign up for Equifax's free credit monitoring! Here's what to do instead Read More
• 3 big changes coming to T.J. Maxx, Marshalls and HomeGoods Read More

Clark.com