---
title: "Coronavirus and Your Mortgage: Should You Accept a Forbearance?"
description: Lenders are offering mortgage forbearance to help with loss of income due to COVID-19. What are the risks?
image: https://blog.amerihopealliance.com/hubfs/Copy%20of%20coronavirus%20square.png
---

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## Coronavirus and Your Mortgage: Should You Accept a Forbearance?

\[fa icon="clock-o"\] Tuesday, March 31, 2020  \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling)  \[fa icon="folder-open'\] [forbearance](https://blog.amerihopealliance.com/blog/topic/forbearance), [coronavirus](https://blog.amerihopealliance.com/blog/topic/coronavirus)

Only if you have to.

### Our attorneys' COVID-19 advice:

- If you can afford to keep paying your mortgage during a hardship caused by Coronavirus, **keep paying your mortgage.**
- If you cannot afford to make your mortgage payments, our lawyers want to do everything possible to **help you understand** your options and be protected from your bank's misrepresentations.

Q: Why?

A: Because in our experience, most mortgage "disaster relief" becomes a nightmare.

### What do we know?

Amerihope Alliance Legal Services has been helping homeowners stop or avoid foreclosure since the housing market crashed in 2008.

Our lawyers have helped homeowners after every major hurricane in the last 12 years. Our staff is well-versed in financial hardship, and we know how to help homeowners navigate the "options" and "promises" from their banks.

One recent example of other times lenders have failed homeowners in "mortgage relief" after a crisis is Hurricane Irma hitting Florida in 2017. The Hurricane [forbearance caused many homeowners to be placed in a "foreclosure" status](https://www.wsj.com/articles/after-a-disaster-some-homeowners-next-misfortune-is-mortgage-relief-11582972201) with their lender, costing thousands of dollars of fees to be applied to mortgages.

### What is a mortgage forbearance?

Mortgage forbearance is when your lender agrees to suspend your monthly payments for a specified term. The term is usually 3 months. At the end of the 3rd month, you are responsible for making all 3 payments plus the new month's payment.

> Example:
> 
> April 1 - no payment  
> May 1 - no payment  
> June 1 - no payment  
> July 1 - Payment due = April + May + June + July
> 
> [![Ask questions about coronavirus forbearance](https://no-cache.hubspot.com/cta/default/161513/f2cc2023-1877-41f0-a5fc-5490c0045d38.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/f2cc2023-1877-41f0-a5fc-5490c0045d38)

### Let Us Review Your Hardship

We are [offering a service](https://legal.amerihopealliance.com/coronavirus-forbearance-help) to contact your lender, explore your options, and help you understand the risks and consequences of any forbearance they are offering.

If they will not put the terms in writing, we will make recordings of the calls and be ready to prepare necessary affidavits when your lender breaks their promises to you.

### Be Prepared. We Are.

In the coming weeks and months many "homeowner help companies" will spring up to take advantage of those who have suffered a hardship. Don't be disadvantaged. Amerihope Alliance Legal Services has been representing homeowners against mortgage companies since 2008. Give us a call to see how we can protect you.

 

[![Learn about COVID-19 Forbearance Now](https://no-cache.hubspot.com/cta/default/161513/78d1a5f4-427a-4648-a377-8ba3971f98fd.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/78d1a5f4-427a-4648-a377-8ba3971f98fd)

 

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![Jake Sterling](https://blog.amerihopealliance.com/hs-fs/file-397888097-jpg/images/A_logo.jpg?width=100&height=100&name=A_logo.jpg)

#### Written by [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling)

Jake Sterling is Amerihope Alliance Legal Services' Homeowner Liaison. He helps to bring awareness and teach homeowners about foreclosure defense and options to save their homes.

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### About this Blog

Amerihope Alliance Legal Services is a leading loan modification and foreclosure defense law firm with attorneys licensed in 5 states. We have helped over 7,000 homeowners fight back and keep their homes.

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Our goal is to provide valuable information to help homeowners who are trying to obtain a loan modification or to stop foreclosure. You may schedule a [free consultation](https://www.amerihopealliance.com/free_consultation) at any time.

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