Long Islanders will have a 90-day hold on foreclosure proceedings if their homes were damaged by November’s two storms and their mortgages were insured by the Federal Housing Administration.

It’s part of the relief that comes with a disaster declaration, which was granted last week by President Barack Obama for Nassau and Suffolk counties. Officials said they realize that Tropical Depression Ida and the nor'easter may have disrupted homeowners' ability to pay their mortgages.

The moratorium covers homeowners who are current, those who are up to three months behind and those who are in the foreclosure process, which can take as long as two years in New York State.

"Families who may have been forced from their homes need to know that help is available to begin the rebuilding process," said U.S. Housing and Urban Development Secretary Shaun Donovan.

What’s called the 203(k) loan program under HUD also will allow homeowners to fund the purchase or refinance of a house and its repairs in a single mortgage. Single-family homeowners also may finance just the repairs under the program.

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HUD also is encouraging lenders and loan servicers to give homeowner victims special consideration, including waiving late charges, modifying the loan and arranging forbearance, in which the monthly payments are due in a lump sum later.

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