The statistic isn’t as high because it excludes those in forbearance, i.e. people also not paying their mortgage.
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I don’t see that as a big issue either as those folks will be able to make up those payments over time:
“Forbearance doesn’t mean your payments are forgiven or erased. You are still required to repay any missed or reduced payments in the future, which in most cases may be repaid over time. At the end of the forbearance, your servicer will contact you about how the missed payments will be repaid. There may be different programs available.”
