Mortgage Assistance

A forbearance plan allows for a temporary pause in your monthly mortgage payment(s) during the forbearance period. It is important to understand that forbearance is not loan forgiveness as it does not erase the amount you owe on your mortgage. We will contact you as you approach the end of your forbearance period to remind you of your next steps and help determine your available options.

You will have to repay any missed payments after your forbearance ends, but you won’t have to repay them all at once.

If you are unable to repay all your missed payments at the end of the forbearance period, we will need to evaluate your loan to determine which payment solution(s) may be available to you. Depending on the investor guidelines applicable to your loan, your payment solutions may include a repayment plan, payment deferral, loan modification or another approved option.

If you can make partial payments during the forbearance period, it will help reduce the amount you owe later. During the forbearance plan term, late charges and other fees will be suspended. If your loan is current at the time, you enter a forbearance plan, we will report the status of your account to the credit reporting agencies as current each month you are in the plan. If, however, your loan was delinquent before you entered into a forbearance plan, we will maintain that delinquency status during the period of the forbearance. If you can bring your loan current during the forbearance plan, we will report your account as current.

It is important that you:

• Continue paying your taxes, insurance, or HOA/condo fees during forbearance if you make those payments separately from your mortgage.


• Make partial payments when you are able. It will reduce the total amount you will owe later.


• Inform us if your financial circumstances change so your forbearance period is not unnecessarily prolonged.


• Check your email for updates from us. We will send you periodic email updates to keep you informed about your forbearance plan.


• Create an online account if you haven’t already done so. You can sign in to view your forbearance plan details and new information, as it becomes available.

You should contact us if you wish to cancel your forbearance plan, adjust the duration of your forbearance period, and/or when we request an update on your financial situation.

No. Late fees will not be charged during your forbearance period.

Your monthly payments will not be drafted once your forbearance begins because we will suspend the auto draft when we set up your forbearance plan. If you need to cancel any auto draft payments before we set up your forbearance, those payments will need to be canceled 3 days prior to the draft date. If you bring your loan current, your auto draft payments will resume one month after your forbearance plan ends.

You may receive communications that include statements regarding your account delinquency. However, you will not be required to make payments during your forbearance period, and we will not charge you any late fees.

To cancel your forbearance plan, email mtgrecovery@truhome.com, call 866-443-2750, fax 866-289-1408 or mail TruHome Solutions, LLC, Attention: Mortgage Recovery, 6330 Sprint Parkway, Suite 200, Overland Park, KS 66211.

Forbearance does not erase the amount you owe on your mortgage. All payments missed during your forbearance period (including any payments you did not make prior to the beginning of your forbearance) will be part of the amount you owe following the forbearance period. You won’t have to repay it all at once—unless you are able to do so. If you can make partial payments during the forbearance period, it will help reduce the amount you owe later. If you are unable to pay the full amount to bring your loan current when your forbearance plan ends, we will work with you to determine what payment solutions are available to help you get back on track. Continue reading to learn more about the payment solutions that may be available to you depending on the investor of your mortgage loan.

If your monthly mortgage payment does not include an escrow payment for taxes and insurance, you should continue to make your tax and insurance payments during the forbearance period in accordance with your mortgage loan documents. However, if your account is currently escrowed for taxes and insurance, we will continue to make those payments from your escrow account.

Should your escrow account become depleted while on forbearance, this will result in a shortage to your account; where applicable, we will handle any escrow account shortages in compliance with investor requirements and applicable law, which may also allow you to repay these escrow shortage amounts over time.

We will advance any escrow account shortage for taxes and insurance due during the forbearance period on your behalf. However, you will also need to repay any account shortages and advances for taxes and insurance. Depending on the type of mortgage loan you have, you may repay any advances through a qualifying post-forbearance option, and you may repay any additional account shortages through replenishment of the escrow account or a repayment plan. To pay your shortage, please log in and use the “Payments” menu options to pay online or mail it with your check to the payment address closest to your mortgaged property.

Please note: If you pay your shortage by check, please use a payment coupon, and write “Escrow” in the Memo line. Please contact our Member Services Department in the event you notice a misapplied payment on your statement.