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I took my home loan out of forbearance on FHA, and they asked me to pay the entire balance upfront. Barely gave me any other options besides adding extra payments between 6 months or try to get approved for MODIFICATION- which unless you have a job, they won’t let you. When this stuff comes out of forbearance there is going to be an absolute shit show. I had stopped paying my mortgage back in January because I had been unemployed the entire year before due to cancer. I started working again in March and at the same time applied for assistance through the mortgage company.

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It took them an insane amount of time to process my application but during that time they couldn’t start eviction proceedings either. The end result was that by the time they finally approved me for the modification program you were referring to I had saved up enough money since I started working again in March that I was able to pay 9 months worth of mortgage payments at once and just bring my mortgage current.  Then the next month I had to pay all the late fees (they wouldn’t wave even a single one even though they acknowledged my legitimate hardship.

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