![]() Department of Agriculture (USDA), or the U.S. Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA), the U.S. You can apply for initial forbearance if your loan is backed by the U.S.If your mortgage is backed by the federal government, provisions of the 2020 CARES Act and subsequent legislation allow you to potentially suspend payments for up to 18 months if you experience COVID-19-related financial hardship.
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