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[Music] hey guys this is Eric with Lovi rates this is video number three of a three part series so if you have not seen video 1 or 2 please check it out now listen if you have to go into mortgage forbearance we want you to know exactly how to do it make no mistake though we have really cautioned you from doing it and thats what video 2 is all about if you need it please take advantage youre a citizen of the greatest country in the world likely youre a veteran you deserve it and if you need it please do it heres what you need to do step number 1 Im gonna give you five steps today the first step contact your mortgage servicer now this is almost certainly not low va rates and its very few times is it the person who did your last loan thats an originator or a loan officer the servicer is the company that youre making payments to every single month so pull out that statement or go log in online look for the customer service number thats who you need to contact first and its very i