COVID-19 Mortgage Relief

Fremont Bank continues to provide necessary financial services for our customers and communities throughout the COVID-19 pandemic. We are committed to keeping you updated and doing our part to support your financial stability.

Your COVID-19 forbearance plan is nearing the end of the agreement term. Please provide an update on your current financial circumstances and select the option that best meets your current needs. We will promptly review and provide a response.

Please review the options below and enter your contact information so we can help you with next steps to bring your loan current. If you have any questions, please visit our COVID-19 Mortgage Relief FAQs page.

Please select the option that most closely applies to your current financial circumstances:
Please select the option that best meets the needs of your hardship recovery:
 
Option
Your COVID-19 Hardship Status
Overview of Option
Repayment Plan
  • My temporary hardship has been resolved.
  • I cannot make a single lump-sum payment for all amounts due.
  • I can afford to resume making my regular monthly payment plus a portion of the amount deferred during my forbearance each month.
  • Allows you time to bring your loan current without having to make a single lump-sum payment.
  • Repay the payments missed during your forbearance plan over a specified and agreed upon period of time. Up to 12 months.
Reinstatement
  • My temporary hardship has been resolved.
  • I have the ability to make a single lump-sum payment of all amounts due.
  • I can return to making regular payments.
  • Pay all past due amounts created by your forbearance in a single lump-sum if you have the ability to do so.
  • Allows you to bring your loan current immediately.
Payment Deferral
  • My temporary hardship has been resolved.
  • I am unable to reinstate the loan by paying the amounts due created by my forbearance plan but I can afford to resume making my normal monthly payments.
  • Allows you to bring your loan current by deferring repayment of payments missed, as well as other amounts we may have paid on your behalf during your forbearance plan.
  • Interest will not be charged on the deferred balance.
  • No change to any terms of your loan.
  • You will be responsible for paying the deferred balance upon the maturity date of the loan or earlier upon sale or transfer of the property, refinance of the loan, or payoff.
Please select the option that best meets the needs of your hardship recovery:
 
Option
Your COVID-19 Hardship Status
Overview of Option
Forbearance Extension
  • My hardship has not yet been resolved.
  • I cannot return to making contractual payments at this time.
  • I have an expectation that my hardship is temporary.
  • Allows you additional time to improve your financial situation.
  • Fremont Bank may extend your current payment forbearance upon review and acceptance of your continued hardship related to COVID-19.
Modification
  • My COVID-19 related hardship has not been resolved and has resulted in a permanent change in my financial circumstances.
  • It is unlikely that I can afford the monthly mortgage payment I made before the crisis.
  • Typically changes one or more terms of the original agreement in order to affect a permanent solution of the delinquency.
  • Modification terms are dependent on the programs available by your specific investors.
  • Requires evaluation and successful completion of a trial period payment plan.
Please describe how the COVID-19 pandemic continues to impact your financial situation so that we can continue to support you.*
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