 TITLE: How Do I Get a Mortgage Forbearance? CONTENT: Special Mortgage Considerations for COVID-19\n--------------------------------------------\nIf you're dealing with income loss or other hardship related to the COVID-19 pandemic and your mortgage is one of the 95% of American single-family home loans backed by Fannie Mae or Freddie Mac, special emergency rules apply. You can receive forbearance of your mortgage payments for up to 12 months, after which your lender must work with you in an effort to come up with a manageable repayment plan (including possible modification of your original loan agreement). Consult your lender about this option and ask about any other COVID-19 dispensations they may have, or that may be mandated in rapidly evolving state and federal laws. Keep in mind that this option does not occur automatically: You must be proactive and contact your lender to apply for assistance.\nIf you're dealing with a temporary financial hardship, mortgage forbearance can lift a major source of stress and buy you precious time to get back on your feet. END