Borrowers could then enroll in forbearance to get mortgage relief through Sept.The foreclosure moratorium on federally-backed loans expired on July 31, 2021.Department of Veterans Affairs (VA), or if you're the owner of a multifamily rental unit with a loan backed by the government. Department of Agriculture (USDA), the U.S. Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA), the U.S. You could apply for initial mortgage relief if your loan is backed by the U.S.