Your Rights · Consumer Rights
Pass only
Can't pay your mortgage?
Request a temporary pause.
Answer 5 quick questions — get a formal forbearance request letter with hardship explanation and a recovery plan.
5
request sections
2 min
time to generate
3+
rights covered
The Problem
You're struggling to pay your mortgage — and you don't know what to do.
Mortgage forbearance can help
Forbearance allows you to pause or reduce your mortgage payments temporarily while you recover from financial hardship.
You have rights
Under the CARES Act and federal law, you have the right to request forbearance and protection from foreclosure.
You need a formal request
A well-written letter with a clear hardship explanation is more likely to be approved by your servicer.
You need a recovery plan
Servicers want to know how you'll catch up. We'll help you present a realistic plan.
What you get
Everything you need to request mortgage forbearance.
Request letter
Formal letter to your loan servicer — with hardship explanation and forbearance request.
Hardship explanation
Clear, professional description of your situation — why you need a payment pause.
Recovery plan
How you plan to resume payments — includes realistic options for catching up.
Your rights overview
What the law says about forbearance — and how to protect yourself.
How it works
From financial stress to mortgage relief in 2 minutes.
1
Answer 5 quick questions
Hardship type, forbearance period, servicer, monthly payment, and contact status.
~2 minutes2
AI builds your custom request
You get a complete HTML document with request letter, hardship explanation, recovery plan, and rights overview.
~30 seconds3
Get mortgage relief
Send the letter — and get the payment pause you need.
You decide1
complete forbearance request
30
days to respond
1
request letter
1
recovery plan
Questions
Everything you need to know.
What is mortgage forbearance?
Forbearance is a temporary pause or reduction in your mortgage payments — it's not forgiveness. You'll need to repay the missed payments later, but it gives you time to get back on your feet without facing foreclosure.
Will forbearance hurt my credit?
If you're already behind on payments, forbearance may not make it worse. However, it's usually reported to credit bureaus. The most important thing is to avoid foreclosure and stay in communication with your servicer.
How long does forbearance last?
Initial forbearance is usually 3–6 months, but you can often extend it up to 12 months or more. We'll help you request the period you need.
What happens after forbearance ends?
You'll need to repay the missed payments. Options include a lump sum payment, a repayment plan spread over time, or a loan modification. We'll help you prepare a plan.
Can I request forbearance if my loan is not federally backed?
Yes — most private lenders also offer forbearance options, though the rules may differ. The letter works for any servicer, and we'll help you adjust it if needed.
Reviews
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