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In response to "Looking at my mortgage website, I can get a forbearance for 3 months, but then I have to make up those payments. They do have a more permanent -- (edited)" by GregW

You're right, loss mitigation would more likely refer to loan mod, or ultimately potential short sale/deed in lieu.

I worked mortgage loss mit/short sale for 8 years following the 2008 housing crisis.

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