[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-275998-105":53,"doc-detail-275998-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","servicers-care-factsheet-cares-act-mortgage-payment-forbearance","Servicers Care Factsheet - CARES Act Mortgage Payment Forbearance","","Resource for servicers assisting borrowers with federally-backed mortgages insured or guaranteed by FHA, VA, or RHS under the CARES Act Mortgage Payment Forbearance. Explains guidance for assisting borrowers, including how to handle requests when borrowers experience COVID-19–related financial hardship, documentation requirements, and eligibility regardless of delinquency. Covers entitlement to initial and extended forbearance, servicer responsibilities to approve requested terms, and key loss mitigation distinctions across FHA standalone partial claims, VA disaster options, and RHS repayment planning and handbook-based tools, plus additional borrower resources and contact points.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":41,"@type":70,"position":76},"https://docshare.wps.com/template/letters/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/servicers-care-factsheet-cares-act-mortgage-payment-forbearance/275998/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/servicers-care-factsheet-cares-act-mortgage-payment-forbearance/275998.png","ImageObject",442,249,{"name":88,"@type":89},"Elsa","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-11-03","2026-09-15",true,{"@type":98,"interactionType":99,"userInteractionCount":25},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"What documentation is required to request CARES Act mortgage forbearance?","Question",{"text":108,"@type":109},"No documentation is required beyond the borrower asserting that they are suffering from a hardship.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"How long can a borrower request a CARES Act forbearance?",{"text":113,"@type":109},"Borrowers may request an initial forbearance for up to 180 days and may request an additional 180 days, for up to 360 days total if requested.",{"name":115,"@type":106,"acceptedAnswer":116},"Are FHA, VA, and RHS treated the same after a borrower exits forbearance?",{"text":117,"@type":109},"No. The factsheet notes differences in requirements and available tools, such as FHA’s COVID-19 Standalone Partial Claim, VA’s loss mitigation options without requiring lump-sum repayment, and RHS options like repayment plans or term extensions based on ability to resume payments.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},275998,1790009080,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":25,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":76,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":139,"read_time":9},137455077381,"https://ap-avatar.wpscdn.com/davatar_994ba38a5ba835b3df7d355c54d3ed8d","A resource for servicers with loans insured or guaranteed by the Federal Housing Administration (FHA), the Department of Veterans Affairs (VA), or the Rural Housing Service (RHS)  \nCoronavirus Relief, and Economic Security Act (CARES Act) Mortgage Payment Forbearance  \nThe CARES Act provides a mortgage payment forbearance option for all borrowers who, either directly or indirectly, suffer a financial hardship due to the novel coronavirus (COVID-19) national emergency.  \nGuidance for Assisting Borrowers  \nIf a borrower can still make their mortgage payment, request that they continue to do so. However, if the borrower requests a forbearance, a servicer must give them the forbearance requested.  \n• No documentation is required to prove the hardship beyond the borrower asserting that they are suffering from a hardship.  \n• This relief is available to anyone who has a federally-backed mortgage, regardless of delinquency status.  \nUnder the CARES Act, borrowers are entitled to request an initial forbearance of their monthly mortgage payments for up to 180 days, and may request up to an additional 180 days.  \n• Servicers must approve the forbearance for the amount and time that the borrower requests.  \n• Under the CARES Act, this is done at the borrowers’ request and for as long as they request, up to 360 days in total (initial up to 180 days and then up to another 180 days, if requested)  \n• Servicers should educate the borrower on the impact of longer forbearances. Servicers may discuss shorter initial forbearances with the borrower, such as 3 months for example, and work up or down depending on the needs and wants of the borrower.  \n• Servicers should ensure that borrowers understand that the missed payments must be repaid, although it maybe paid back over time.  \n• Servicers should educate the borrower on what options will be available to the borrower to make repayments.  \n• Inform borrowers that they can contact you when their hardship is over or resume making their regular monthly mortgage payment to end the forbearance, and discuss what repayment options are available.  \nLoss Mitigation options will vary based on the program it is insured or guaranteed under.  \nFederal Housing Administration Mortgages  \nFHA does not require lump sum repayment at the end of the forbearance. FHA has developed the COVID-19 Standalone Partial Claim to assist with repayment. If borrowers were current or less than 30 days delinquent as of March 1, 2020, they may be entitled to this option. A partial claim is a zero interest, no fee, junior lien on the borrower’s property that will become payable when the borrower sells their home, pays off their mortgage, or their mortgage otherwise terminates. If the borrower does not qualify for the COVID-19 Standalone Partial Claim, FHA offers other tools to help them repay their missed payments over time. For more information on Federal Housing Administration Mortgages: please email [answers@hud.gov](answers@hud.gov), call 1-800-CALL-FHA (1-800-225-5342), [or visit](or visit www.hud.gov)[ ](or visit www.hud.gov)[www.hud.gov](or visit www.hud.gov).  \nVeterans Affairs Mortgages  \nServicers of VA loans cannot require borrowers to make a lump sum payment immediately after a borrower exits a CARES Act forbearance. VA has a suite of loss mitigation options detailed in Chapter 5 of the VA Servicer Handbook M26-4 designed to assist Veteran borrowers in bringing their home loan current. In addition to the regular loss mitigation options, VA is making available all disaster loss mitigation options to further assist borrowers affected by the novel coronavirus  \n(COVID-19) pandemic.  \nFor more information: please see VA’s frequently asked questions on forbearances covered under the CARES Ac. In addition, you may call (877) 827-3702 to contact a VA Regional Loan Center or visit our website at [https://www.benefits.va.gov/homeloans/index.asp](https://www.benefits.va.gov/homeloans/index.asp).  \nRural Housing Service Guarantee","cbCaijBnEgtsjpfT","https://ap.wps.com/l/cbCaijBnEgtsjpfT","pdf",228712,"English","# Guidance for Assisting Borrowers\n## CARES Act forbearance eligibility and servicer duties\n## Loss Mitigation options by program\n### Federal Housing Administration Mortgages\n### Veterans Affairs Mortgages\n### Rural Housing Service Guaranteed Loan Mortgages\n## Other Resources","[{\"question\":\"What documentation is required to request CARES Act mortgage forbearance?\",\"answer\":\"No documentation is required beyond the borrower asserting that they are suffering from a hardship.\"},{\"question\":\"How long can a borrower request a CARES Act forbearance?\",\"answer\":\"Borrowers may request an initial forbearance for up to 180 days and may request an additional 180 days, for up to 360 days total if requested.\"},{\"question\":\"Are FHA, VA, and RHS treated the same after a borrower exits forbearance?\",\"answer\":\"No. The factsheet notes differences in requirements and available tools, such as FHA’s COVID-19 Standalone Partial Claim, VA’s loss mitigation options without requiring lump-sum repayment, and RHS options like repayment plans or term extensions based on ability to resume payments.\"}]","Servicers Care Factsheet - CARES Act Mortgage Payment Forbearance | PDF",1789490725]