The answer to this is going to depend on your lender. If you have a Fannie or Freddie loan, or a VA, FHA, or USDA loan, you may have more options than if your loan is a conventional loan held by a private lender, such as a bank, credit union, or mortgage company.

So far this year, we have seen some lenders require borrowers to jump through a lot of hoops, while others have made it super easy to get back on track with mortgage payments. If you were in forbearance and you’re not sure what to do, send us an email or schedule a free 15-minute consultation.