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did you enter into a forbearance plan most likely your time is up if not already so what now today were talking about four repayment options but more importantly were going to talk about the four major reasons why the chances are very high that you will not lose your home first lets talk about when these forbearance plans are scheduled to end under the cares act homeowners who have a conventional fha va or usda loan could apply for up to a six month forbearance and apply for an additional six-month extension keep in mind that your forbearance time starts when you actually request your forbearance for example if you have a conventional loan and you applied for forbearance and an extension on april 1st 2020 then your time is going to be up on april 1st 2021. remember you have to have a plan in place to repay these payments that you missed if youre still experiencing hardships due to coven heres the good news recently freddie mac and fannie mae and the feds have given homeowners one