When does mortgage forbearance end 2022?

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Mortgage forbearance has been a crucial lifeline for homeowners facing financial hardships during the COVID-19 pandemic. It has provided temporary relief by allowing borrowers to pause or reduce their mortgage payments. As we enter 2022, many homeowners are wondering when mortgage forbearance will end and what it means for their financial situation. In this article, we will explore the timeline for the end of mortgage forbearance in 2022 and its implications for borrowers.

Current Status of Mortgage Forbearance

As of January 2022, mortgage forbearance programs implemented in response to the pandemic are still in effect. The federal government, through agencies such as the Federal Housing Administration (FHA), the Department of Veterans Affairs (VA), and the Federal Housing Finance Agency (FHFA), has extended the foreclosure and eviction moratoriums multiple times to provide relief to struggling homeowners.

It is important to note that the specific end dates for mortgage forbearance programs can vary depending on the type of loan and the lender. Therefore, borrowers should reach out to their mortgage servicers to understand the details of their individual forbearance plans.

Timeline for the End of Mortgage Forbearance in 2022

While there is no one-size-fits-all answer to when mortgage forbearance will end in 2022, there are some key dates and factors to consider:

Expiration of Federal Moratoriums: The current federal foreclosure and eviction moratoriums, which have been extended several times, are set to expire on March 31, 2022. However, it is important to note that these dates may be subject to further extensions or modifications based on the evolving pandemic situation.

Lender-Specific Forbearance Programs: In addition to federal programs, many mortgage lenders have implemented their own forbearance programs to assist borrowers. These lender-specific programs may have different end dates and terms compared to the federal programs. Borrowers should consult their mortgage servicers or lenders to determine the specific end dates for their forbearance plans.

Transition Periods: Even after the official end of mortgage forbearance programs, there may be transition periods during which borrowers can gradually resume their regular mortgage payments. These transition periods are designed to provide borrowers with a smooth transition back to normal payment schedules and prevent sudden financial shocks.

Implications for Borrowers

The end of mortgage forbearance in 2022 will have several implications for borrowers:

Resuming Regular Mortgage Payments: Once mortgage forbearance ends, borrowers will be required to resume making their regular mortgage payments. It is important for homeowners to assess their financial situation and budget accordingly to ensure they can meet their payment obligations.

Repayment Options: For borrowers who have accumulated missed payments during the forbearance period, there may be various repayment options available. These options can include repayment plans, loan modifications, or even extending the loan term to spread out the missed payments over a longer period.

Foreclosure and Eviction Risks: If borrowers are unable to resume their regular mortgage payments or come to an agreement with their lenders regarding repayment, there is a risk of foreclosure or eviction. It is crucial for homeowners to communicate with their mortgage servicers and explore available options to avoid these outcomes.


While the exact end dates for mortgage forbearance in 2022 may vary depending on the type of loan and lender, it is important for homeowners to be prepared for the resumption of regular mortgage payments. Communicating with mortgage servicers, understanding repayment options, and assessing one’s financial situation will be crucial in navigating the post-forbearance period.


– Federal Housing Administration (FHA): https://www.fha.com/
– Department of Veterans Affairs (VA): https://www.va.gov/
– Federal Housing Finance Agency (FHFA): https://www.fhfa.gov/