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hello and welcome to another edition of the four zoko group TV I am Christopher Zeljko my topic today for you is about mortgage forbearance so my topic today is about mortgage forbearance okay Ive had this question come up a lot recently as to what is it and how you know what how does it really work okay so first let me just explain a mortgage forbearance simply okay is an agreement between you and your mortgage provider okay your mortgage company its an agreement to reduce or to defer your current mortgage payment for a limited period of time again a limited period of time if youve been affected by the current pandemic then you may actually qualify you know for this forbearance it is highly recommended however if you can continue to pay your mortgage payment that you have then its recommended that you do so and Im going to outline a couple of pitfalls here as to you know if you were to go ahead with the forbearance what could happen and what you may not you may not know so the fi