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Roxanne Webster, a partner at Keller Williams, discusses forbearance plans as clients submit them for review. She specifically examines a plan from Freedom Mortgage, which she critiques for its lack of clarity regarding repayment obligations at the end of the forbearance period. The plan indicates that payment is temporarily suspended but states that clients will need to collaborate with the mortgage company to find a solution later. Webster is concerned that the plan does not provide clear information on whether clients must repay the amount due in a lump sum or over time, highlighting the uncertainty and potential stress for those relying on these plans.