You searched:
“can I get a mortgage after COVID forbearance or hardship”
COVID-era hardships affected millions. Lenders and agencies created specific guidelines that treat pandemic-related financial events more leniently than traditional setbacks. Your COVID story does not have to block your homeownership goals.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Used COVID mortgage forbearanceSolution exists
- 2Lost job during pandemicSolution exists
- 3Credit damaged by pandemic-related eventsSolution exists
- 4Business closed or reduced during lockdownsSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
Post-Forbearance Qualification
If you exited forbearance and made 12+ months of on-time payments, most programs treat you as a standard borrower.
Available nowCOVID Extenuating Circumstances
Many programs accept COVID-related hardship as extenuating circumstances, potentially reducing waiting periods.
Available nowBank Statement Recovery
If your business recovered, bank statement loans can show your current income even if tax returns reflect COVID losses.
May take timeTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200COVID hit your finances? We understand. Let us help.
Start Your Application
Takes about 5 minutes. No obligation. No credit check until you are ready.
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Frequently Asked Questions
If you exited forbearance and resumed on-time payments for 12+ months, most programs qualify you normally. The forbearance itself is not counted against you.
Most agency guidelines allow lenders to consider pandemic-related events as extenuating circumstances, which may reduce waiting periods and overlook isolated negative marks.
Yes. Most programs use recent income for qualification. If your income has recovered, your current earnings, not your pandemic-era losses, determine your buying power.
COVID hit your finances? We understand. Let us help.
We will reach out at a time that works for you. No pressure, no obligation.