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welcome to michelle's weekly minute i'm michelle snider i'm a local realtor here in the indianapolis area and today i'm talking to you about the forbearance agreement that was offered last year during the pandemic if you had a mortgage on your home mortgage lenders were offering up to 12 months of forbearance or missed payments on your mortgages now you're aware by now uh forbearance does not equal forgiveness so those payments need to be made paid back now a lot of lenders uh were offering um just a few options to folks they were saying hey listen you can pay this back all in one sum you can pay it out back over a period of time or you could put a second lien on your house but what we're hearing now is is that a lot of lenders are offering loan modifications to folks that have missed payments so if you have uh put a lien on your house maybe you had some missed payments and that wasn't offered to you i would encourage you to reach out to your lender to see if that is something that yo...