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Jacob Lerma looks at the bare studs inside his home, which was damaged by floodwaters from Hurricane Harvey, Monday, Jan. 22, 2018, in Friendswood, Texas. Five months after Hurricane Harvey damaged thousands of houses in Texas, financial difficulties many homeowners still face as they work to rebuild has created a spike in missed mortgage payments.  (AP Photo/David J. Phillip)

Jacob Lerma looks at the bare studs inside his home, which was damaged by floodwaters from Hurricane Harvey, Monday, Jan. 22, 2018, in Friendswood, Texas. Five months after Hurricane Harvey damaged thousands of houses in Texas, financial difficulties many homeowners still face as they work to rebuild has created a spike in missed mortgage payments. (AP Photo/David J. Phillip)

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