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everybody heres another episode of what ted says talking to you about mortgage forbearance which is affected now on september 30th as its winding down across america more than 400 000 people will be affected going forward into october and a lot of people want to know what are my options if i am in mortgage forbearance now well it does depend upon the lender but heres five things for you number one you can pay off all that you owe in full a complete and total repayment two you can do something called intermittent repayments and this just really means that you can take out over three months six months or 12 months add a little bit to the mortgage every month until you pay it off you can also extend your loan which means you can make it a 31 or 32 year mortgage and put the payments on the back end you can sell or refinance your house and then last you might want to consider doing a loan modification which is readjusting the terms of your loan the length the rate or even reducing the mo