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Michelle Snider, local realtor in Indianapolis, discusses forbearance agreements offered during the pandemic allowing up to 12 months of missed mortgage payments. Forbearance does not forgive payments so they must be repaid. Lenders originally offered repayment options including lump sum, spread out, or a second lien. Now, many lenders are providing loan modifications to help those with missed payments. If you weren't offered this option, reach out to your lender to inquire.