Anecdotally I know someone who took a 3 month forebearance. She went back to paying in full and they just tacked the missed interest onto the balance. After 3 on time payments she became eligible to refi and will be lowering her rate by 0.75%. It was a small blip on her radar though very scary at the time but i guided her through what to do. I think a lot of people will be in that boat and anyone who is still unemployed will be sitting on even more equity than they had. It may give us some more of the inventory our market is starved for but over all a non event here
