https://financialservices.house.gov/news/documentsingle.aspx?DocumentID=406472 The idea that loan servicers are going to require immediate repayment of everything is absurd, IMO. That would defeat the entire purpose of the relief. Cares act doesn’t specify what the terms will be after forbearance, just that borrower will suffer no penalty, fee, or negative credit report. I have two mortgages backed by Freddie Mac. One is my primary and the other is investment with 4 rental units. I requested forbearance on both. I am putting aside the mortgage payments and will see what modifications my servicer will make at the end of all this, I suspect they will ask for whatever I can pay, if any, of what I missed and then just extend mortgage term. Important note here: I am leaving escrow accounts(pmi, taxes, insurance) out of this discussion because I don’t have escrow and pay those on my own, if your loan includes an escrow, I wouldn’t be surprised to see your servicer require that amount at end of forbearance period, or set up a separate repayment option for that portion.