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To: [Lender]From: [Your Name]Date: [Date]Re: Request for Forbearance on Mortgage Loan[Lender Name],?????????? You are the servicer of my mortgage loan on the property located at [Property address].? My loan number is [Loan number].? I assume that, like most mortgages, my home loan is federally backed and subject to the forbearance protections in the newly passed CARES Act.? I attest and affirm that I am experiencing a financial hardship caused by the COVID-19 emergency and request forbearance on my mortgage loan under the CARES Act for 180 days.?????????????? I understand that during the forbearance period, I may not be charged fees, penalties or interest beyond what I would have been charged had I continued to make all of my mortgage loan payments on time and in full.? I also understand that I may shorten the forbearance period at any time and that, at the end of this forbearance period, I may request an additional forbearance period of up to 180 days.? Finally, I understand that Fannie Mae, Freddie Mac, and federal agencies have directed mortgage companies to work with borrowers who request forbearance under the CARES Act on repayment options.? I specifically request that you (verify that this is true of your situation) (1) do not make the payments I delay under the CARES Act due as a lump sum either at the end of the forbearance period or at the end of the loan period, and (2) do not increase my mortgage payments after the forbearance period.????????????? Please confirm that you received my request for forbearance on my mortgage loan under the CARES Act.? If my mortgage loan is not subject to the CARES Act, please let me know if you offer other forbearance options during the COVID-19 emergency.? I appreciate your help during this difficult time.?Sincerely,[Your Name] ................
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