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what is forbearance if a variance agreement is considered when alone has become past due because of a temporary hardship now if a borrower is able to make the full payment each month plus the partial portion which is past due the lender may actually be able to set up a forbearance agreement now these agreements typically run anywhere between 1 to 12 months if the total payments are paid on a consistent basis the lender will review your loan to see if you can qualify for a loan modification how do I get set up on this program well its really simple all you need to do is call your lenders loan solution counselor and give them your financial information as far as your monthly payments your net income so on and so forth the loan resolution counselor will then review your account to determine if you can qualify for forbearance agreement you will be given the exact details of that forbearance agreement on that very same phone call now please note that a down payment will be required the tim