Mortgage relief available to homeowners affected by covid-19


If you have a federally-backed mortgage and have been affected by the COVID-19 pandemic, you can ask your bank to pause your mortgage payments for up to 180 days (six months). You can extend this suspension for an additional 180 days, for a full year of no mortgage payments.

Pausing mortgage payments is called a “forbearance.” The suspended payments are not forgiven, and you must pay them back at a later time. When the forbearance ends, your bank must work with you to make these suspended payments.  Depending on your situation, the bank could:

  • Put the payments at the end of your loan,
  • Offer a repayment plan, or
  • Offer a loan modification.

Reverse mortgage borrowers may also be eligible for relief.

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