 TITLE: Are Foreclosures Still Happening During COVID-19? CONTENT: Be Prepared to Make Payments When the Moratorium Ends\n-----------------------------------------------------\nEven the most generous foreclosure moratorium—one that prevents the lender from removing you from your home and stops all legal processes aimed at ousting you—is at best a stopgap.\nIf you're 90 days or more past due on your mortgage payments, a foreclosure moratorium may keep you in your home for the time being. But be prepared to deal with foreclosure proceedings when applicable moratoriums or forbearance ends. To avoid having to vacate the property, you'll have to come to some arrangement with your lender—one that will likely mean repaying the payments you missed, with interest and possible penalties on any missed payments before the moratorium was put in place by the CARES Act.\nSimilarly, if you qualify for mortgage forbearance under the CARES Act or another program offered by your lender, you eventually will have to pay back any amount you were excused from paying during the forbearance period. The CARES Act forbids lenders from charging extra interest on those payments, but you still must make up for the payments themselves. The details of the repayment process under the CARES Act have yet to be defined, but lenders cannot require borrowers to repay excused payments in a single lump sum at the end of the forbearance period. END