What to do first
If you can pay your mortgage, keep paying. If you cannot pay or can only make partial payments, contact your mortgage servicer as soon as possible and review their hardship guidance.
- Gather your loan information.
- Document income changes or hardship details.
- Ask how missed payments will be repaid.
What mortgage forbearance means
Forbearance can pause or reduce payments for a limited time. It does not erase the missed amount, so the repayment structure matters.
- Repayment may be spread over time.
- Some programs can extend the loan term.
- Rules vary by loan type and servicer.