u/TexasMama12

I have been on forbearance now for 5 months and I am panicking because we closed in 2025 and only made 2 payments before entering forbearance. We have an FHA loan don’t I need to make at least 4 payments to qualify for the thing where they put the amount owed into a second lien of something against the home? All I know is I can’t come up with the full amount and I can’t do a repayment plan cuz it will never work. I can’t sleep over this we currently are behind 17k and only have 2 payments under our belt so I think we need to make 2 More before the forbearance ends correct? Can combine please tell me if they have been in the same boat to make me feel a little more at ease. And our loan service is through freedom mortgage

I have been on forbearance now for 5 months and I am panicking because we closed in 2025 and only made 2 payments before entering forbearance. We have an FHA loan don’t I need to make at least 4 payments to qualify for the thing where they put the amount owed into a second lien of something against the home? All I know is I can’t come up with the full amount and I can’t do a repayment plan cuz it will never work. I can’t sleep over this we currently are behind 17k and only have 2 payments under our belt so I think we need to make 2 More before the forbearance ends correct? Can combine please tell me if they have been in the same boat to make me feel a little more at ease. And our loan service is through freedom mortgage