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Dave Dinkle has helped over a million homeowners stop foreclosure by taking quick action. One way to stop foreclosure is through a forbearance agreement, where mortgage payments can be paused temporarily due to financial hardship. The CARES Act in 2020 allowed qualified homeowners with federally backed mortgages to enter forbearance for up to 12 months. Fannie Mae and Freddie Mac later extended this period to 15 months in some cases. Private mortgages are not covered under the CARES Act.