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hi my name is Roxanne Webster Im one of the owners and partners of my home team at Keller Williams and I wanted to discuss with you today the three types of forbear met forbearance or deferment agreements that were seeing coming out of the banks right now the first and I believe the best one is that whatever payments you defer now three or four payments now they just tack those on the end of the loan fine the second type of agreement were seeing is that after the forbearance agreed a period you passes three or four payments then what theyll do is divide out those past payments and add them to your bills over some period of time six to 18 months that means that your payment will go up a little bit but its spread out over several months the Third Kind that were seeing and this is 75% of the agreements that were seeing out there right now these agreements are saying that you are going to be required to pay the entire back amount all in one balloon payment at the end of this period