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Fannie Mae & Freddie Mac loans

• If you are unable to repay your missed payments all at once and can afford to pay a higher monthly mortgage payment for a period of time, you may be eligible for a repayment plan which allows you to repay past due amounts over a period of time.
• If you can afford to resume your regular monthly mortgage payment you may be eligible for a payment deferral  which puts your missed mortgage payments into a payment due at the sale or refinancing of your home, or at the end of the loan.
• If you have a sustained reduction in income and are unable to afford your regular monthly mortgage payment, you may be eligible for a loan modification which changes the terms of your loan to enable an affordable payment.

FHA/HUD loans

VA loans