Mortgage Active Forbearance Guidance 
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Logo: U.S. Bank. Animations: A small shop with a closed sign that turns into an open sign.

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We appreciate that you've entrusted us as your financial partner and began a forbearance plan to assist with hardship. Now

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A car pulls up to a building labeled hospital.

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that you've spent some time on a forbearance plan, we'd like to take a moment to check in and let you know your options moving forward.

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A house with roof damage and broken windows gets repaired.

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Whether your hardship has been resolved or you're still experiencing financial loss, we're here to support you.

If

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Two hands come together and grasp each other as flowers bloom around them.

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your hardship has been resolved, you can stop your forbearance at any time by logging into your account at usbank.com/mortgagehelp, or you can contact us by phone. This

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The repaired house. A panel appears with three checked items that read, illness resolved, back to work, request fixed.

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will end the terms of your original forbearance agreement and your regular monthly mortgage payments will be reinstated. Once your forbearance plan ends, you'll need to begin paying back the amount that was suspended while on the plan. If

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A blue envelope with a bill. A signature appears on a check titled mortgage payment and goes into the envelope.

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you're unable to do so, you must apply for long-term assistance.

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A white document labeled long-term assistance goes into the blue envelope.

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You'll need to pay back the amount that accrued while the forbearance plan was active. But

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A timeline with months along the bottom and stacks of dollar bills on the top above the months. There are three months that have no dollar bills which are labeled past due.

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the sooner you're able to resume your monthly payments, the less that amount will be. Visit usbank.com/mortgagehelp to explore repayment options for the forbearance amount.

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A hand holding binoculars looks at the link U.S. bank.com slash mortgage help

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If you're still experiencing financial hardship, no action is required at this time. Your forbearance plan remains in effect per the terms of your agreement. However,

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The binoculars look at a document that says job listings now hiring job changes.

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if you're able, we encourage you to pay any amount towards your mortgage. Doing

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A person places a bill along the monthly timeline. Stacks of bills in the future disappear.

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so will reduce the amount that is owed at the end of the forbearance plan.

Fee-free payments can be made online, by phone, or by mail. Long-term

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Text: U.S. bank.com slash mortgage help, 855-698-6727.

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assistance options could include adding the suspended payments to the end of the loan to be paid at maturity of the loan or when the home is sold or paid off, or adding the suspended payments into the loan and extending the maturity date.

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Extra months appear at the end of the monthly timeline with dollar bills on them.

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If your income has been permanently reduced, you may be eligible for a mortgage modification. This would alter

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A pen signs a document labeled mortgage. The mortgage document is on a scale with dollar bills on the other side. The scale evens out.

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the terms of your existing mortgage with a new payment amount, while also bringing the account current.

If you think you'll need long-term assistance, we recommend submitting your application at the beginning of the final month of your forbearance plan.

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A hand types in the U.S. Bank number 855-698-7627 into a smartphone. The month of June indicates paid, the month of July says past due, as well as August. September says call us.

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This allows us time to review your eligibility and make a determination. Visit usbank.com/mortgagehelp for more information about assistance programs and the application process. You can also contact us at 855-698-7627 to speak with a representative. Thank you for putting your trust in us.

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Logo: U.S. Bank. Member FDIC 2014, U.S. Bank.