When the coronavirus pandemic first hit, millions of Americans found themselves out of a job within weeks. Thankfully, a host of aid was made available to the public — stimulus checks, boosted unemployment benefits, and mortgage forbearance.

During forbearance, homeowners can stop making payments on their mortgages for a preset period of time without it negatively impacting their credit. Forbearance was an option before the pandemic, and it’s something loan servicers could approve or deny at will. But during the pandemic, any homeowner requesting forbearance was entitled to it upon claiming financial hardship.

Under the CARES Act, which was signed into law in March of 2020, forbearance was initially set to last 12 months. But as the coronavirus crisis dragged on, it was extended

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