In the past, leniency has been granted to clients in temporary or short-term financial difficulty. If the borrower has more serious problems, for example.B. the return on full mortgages does not seem sustainable in the long run, leniency is usually not a solution. Each lender probably has its own suite of Forbearance products. In response to COVID-19, state-subsidized mortgages in the U.S. qualify for forbearance plans, in accordance with the Cares Act. These plans are for borrowers affected by COVID-19. Some common questions that arise are consumer options at the end of the forbearance period and the impact of a forbearance agreement on my credit.