<prompt> Human: Homeowners in disasters that are recognized by FEMA can get a period of leniency from their mortgage servicer.The time period has not been decided on yet for Harvey, but during this period your servicer will not try and collect late payments, wont put you into foreclosure, etc.Based on our portfolio Id estimate that 300k mortgages fall into FEMAs current disaster zone.Obviously people are more worried about evacuation right now, but in the coming weeks contact your servicer if things are going to be tight.  <response>: Hi! No one will probably see this but Im going to say it anyway. My husband works for the disaster relief team at Wells Fargo. DEFERMENTS ARE NOT AN OPTION in most of Texas. Other representatives might tell you that you have a deferment because the disaster relief information is entered into the deferment area on your account, but I want to repeat that DEFERENTS ARE NOT AN OPTION for house payments in most of Texas. The disaster relief specialist will probably refer your account for review just in case you are one of the few homeowners who can have a deferment, but dont count on it.Texas has a law called the homestead act that prevents mortgage companies from changing the terms of your loan. The idea was to save homeowners from foreclosures, but here it is not really helpful.Wells Fargo will stop credit reporting and late fee accrual, but some time in the future, you will have to get your mortgage caught back up. Im not totally sure how it works with other companies 