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Time to Help. The Storm Clouds are Here
     The storm clouds are here. A few weeks ago, I would never have imagined that I would be discussing mortgage relief.  Everybody seems to be affected by the COVID 19 virus is some way or another.  Many are sick, laid off or have reduced hours and are facing some difficult decisions. I am concerned because during the Great Recession so many did not communicate with their banks and/or loan servicing companies due to fear and worry. 
  If you are having difficulties, please call your loan servicing company or your bank.  My client called his servicer and was told that he qualified for a forbearance agreement.  He can forgo his payment for up to three months on his home loan without any penalties.  He was also told that it will not affect his credit score.  His interest will still accrue and be added to the loan balance and he will have to resume making his regular payments at the end of 90 days.  Each servicer will probably have different plans depending on the investor they service.  Most loans are owned by Fannie Mae and Freddie Mac.  Here are links for more information regarding Fannie Mae and Freddie Mac loans.
Fannie Mae Loans
Freddie ... more

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