; or (B) without a lease or with a lease terminable under State law; and (2) Disaster The term disaster means— (A) any national emergency declared by the President under the National Emergencies Act ( 50 U.S.C. 1601 et seq.); or (B) any major disaster or emergency declared by the President under the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 4121 et seq.). (3) Disaster area The term disaster area means, with respect to a disaster, any area that at any time is subject to the declaration of such disaster. (4) Dwelling The term dwelling — (A) has the meaning given the term in section 802 of the Fair Housing Act ( 42 U.S.C. 3602 ); and (B) includes houses and dwellings described in section 803(b) of such Act ( 42 U.S.C. 3603(b) ). (5) Federally backed mortgage loan The term Federally backed mortgage loan includes any loan (other than temporary financing such as a construction loan) that— (A) is secured by a first or subordinate lien on residential real property (including individual units of condominiums and cooperatives) designed principally for the occupancy of from 1 to 4 families, including any such secured loan, the proceeds of which are used to prepay or pay off an existing loan secured by the same property; and (B) is made in whole or in part, or insured, guaranteed, supplemented, or assisted in any way, by any officer or agency of the Federal Government or under or in connection with a housing or urban development program administered by the Secretary of Housing and Urban Development or a housing or related program administered by any other such officer or agency, or is purchased or securitized by the Federal Home Loan Mortgage Corporation or the Federal National Mortgage Association. (6) Moratorium period The term moratorium period means, with respect to a disaster area, the period that— (A) begins upon the declaration of the disaster for which such declaration was made