Extending Help to Homeowners If you're struggling to make your mortgage payments due to COVID-19, mortgage relief options are available. Choose Your Term Whether you choose a 10-, 15-, 20- or 30-year fixed-rate mortgage, you're guaranteed that your monthly mortgage payment will remain the same for the entire term of the loan. Who Do I Call If Disaster Forbearance Is Ending? Were your monthly mortgage payments suspended temporarily because you were affected by a recent natural disaster? Wondering what happens when this "forbearance period" ends?