I researched this topic several weeks ago and I stand behind my original post. My researched showed that the intent of the CARES Act was for loan term extension

I researched this topic several weeks ago and I stand behind my original post. My researched showed that the intent of the CARES Act was for loan term extensions however that's largely been left up to the discretion of each lender. I have a 30 year fixed rate conforming conventional mortgage. This is ver-batim from their COVID-19 assistance page. >Important: The terms of this Forbearance Plan, and any additional Forbearance Plan(s), do not include forgiveness of any amounts. The total amount of payments suspended during a Forbearance Period will become due and payable at the end of the Forbearance Period, and you will be required to either repay the suspended payments in full or make other arrangements for how you will repay the suspended payments, such as qualifying for a loan modification or another assistance option. If your loan is owned by Fannie Mae or Freddie Mac, or if you have an FHA, VA, or USDA loan, your loan is likely subject to the CARES Act. The CARES Act allows for a forbearance of up to 180 days upon request, with an extension of up to an additional 180 days if your hardship is ongoing. The initial Forbearance Plan suspends payments for three months. If your financial hardship remains at the end of this Forbearance Plan and you are unable to resume your normal monthly payments, contact XXX for assistance. You may request additional Forbearance Plan(s) in three-month increments, up to a total of twelve months from the starting date of this Forbearance Plan, or seek another assistance option. Even if your loan is not covered by the CARES Act, if you have a hardship you may contact us to request assistance. Please call xxx for further assistance.