Mods if this isn't appropriate for the thread please delete. But for those who have a mortgage that is backed by the government (such as FHA) you are entitled to a Forbearance (typically up to 180 days and then you can even do another 180 days after that) during the current pandemic status with Covid.
Your mortgage provider MUST give you the forbearance if you request it (provided your loan is government backed) and they cannot require you to describe your Covid-related hardship, all you have to do is claim you have one. In addition, you do NOT have to be delinquent on your mortgage for them to grant the forbearance.
A lot of mortgage servicers you'll be dealing with people who don't know the law, or make you jump through hoops to try and get your forbearance request through, plus many are short-staffed so you may be on-hold for awhile, be prepared for frustration.
There are different options for repaying/catching back up on your mortgage after the forbearance is over. As an example, FHA has one called the Covid-19 Standalone Partial Claim. . A partial claim is a zero interest, no fee, junior lien on your property that will become payable when you sell your home, pay off your mortgage or your mortgage otherwise terminates. So essentially you could avoid mortgage payments for up to a year and then not have to pay that bill until you sell the home or pay off the remainder of your mortgage.
Here's a link to the fact sheet direct from the HUD website with more info:
HUD Fact Sheet