especially with the help about to run out? >> so as your forbearance comes to an end it's important to stay in contact with your servicer and talk about what options are available to you. the more you know about your options the better off you will be. generally there will be five different sets of options one could do. one could do a repayment plan, one could move the payments to the end of the mortgage, the missed payments, one could do a modification or for some you can pay it off at once, but that's never going to be required for federal loans. they could move. unlike the last crisis there is equity in many homes these days. >> should homeowners be making phone calls now to the lenders and what are the chances that they agree to some kind of plan? like you mentioned. >> if the loan -- yeah, if the loan is federally backed, fha, va, usda, fannie or freddie they're required to go through a set of options with you.