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ens when the 47,000 remaining U.S. troops are withdrawn. Police and hospital officials in the northern city of Mosul said two car bombs exploded in quick succession, killing six people. At least one of the bombs seemed aimed at a police patrol. Mosul is Iraq's third largest city, 225 miles northwest of Baghdad. It has been one of the most stubborn insurgent strongholds. Abdul-Rahim al-Shimmari, a member of the provincial council, said 52 people were wounded in the blast. The force of the explosion shattered the windows and mirrors in a nearby barber shop, and caused the false ceiling to collapse. "Fortunately, none of us were wounded, but one of my customers, whose hair was half cut, ran away out of fear," said the owner, Mahir al-Abbawi. Security forces opened fire randomly in all directions after the first explosion, he said. "After about four minutes, we saw a ball of fire coming out of another car that was about 10 meters away from the first explosion," he added. Al-Abbawi said he could see people bleeding and women and children screaming and crying. In another attack, eight gunmen stormed the house of a schoolteacher overnight and killed his three sons and daughter, said Mohammed al-Asi, the spokesman for central Salahuddin province. He said the gunmen wethe lending institution."Lenders must stay within regulators' parameters and agencies' loan servicing guidelines, says Bob Davis, executive vice president of the American Bankers Association in Washington, D.C., though they still have latitude to consider borrowers' individual situations. For some, that might mean a longer period of forbearance or more flexible payment plan.Mortgage relief you can expect following a disasterThe Federal Housing Administration traditionally imposes a 90-day moratorium on foreclosures of FHA-insured loans in a disaster area. This freeze, triggered by an official declaration by the current president at the time of the disaster, gives the homeowner "a little more time" to work with the lender and insurance carrier to assess the damage and understand the situation, says Karol Mason, business process quality manager at Wells Fargo Home Mortgage.Those who still need help after the 90 days are over can try to negotiate additional relief."If the customer still needs assistance and hasn't been making the payments for the 90 days, that workout continues on an individual basis," Mason explains.Mortgage relief for tornado victimsFollowing the devastating tornadoes in the South this year, Freddie Mac released a press release "strongly encourag[ing] servicers to help affected borrowers with Freddie Mac-owned loans by":Suspending foreclosure and eviction proceedings for up to 12 monthsWaiving assessments of penalties or late fees against borrowers with disaster-damaged homesNot reporting forbearance or delinquencies caused by the disaster to the nation's credit bureaus What happens when relief runs out?Lenders typically will waive late fees and defer payments following a disaster, but those accommodations might not last beyond a few months. When the time is up, missed payments become due, either in a lump sum or according to a payment plan.Homeowners who suffer a financial setback, such as a job loss, as a direct result of a disaster also may be offered temporary mortgage relief, even if their home was spared. Documentation will likely be required to prove the hardship.Borrowers should contact their lender as soon as possible after a disaster, let alone after the standard assistance runs out, Mason suggests. "It's that customer call that triggers all the actions that take place on our side," she explains.Mortgage relief tipsVinton offers some good tips for borrowers to follow after a disaster:• Call your loan servicer as soon as possible• Take good notes during the conversation• Follow through on any documentation that is requested and keep copies• Follow up and make sure agreed-upon accommodations are given as promised• Contact a housing counseling agency approved by the U.S. Department of Housing and Urban Development for additional assistance• Notify the credit bureaus that your house is located in a disaster areaWhat else could happen?How missed payments will be reported to the credit bureaus is up to the lender, according to Rod Griffin, director of public education at Experian, a credit bureau in Costa Mesa, Calif. He says an account could be reported as current or in deferment. Homeowners also can add a stateme