Mortgage Forbearance For The Unemployed

The Mortgage Bankers Association proposed to give the unemployed up to 9 months forbearance on their mortgage payments.  I am confused by this because how are you reducing the payment to 31% of their income when they just lost their income?

“Under the proposal, loan servicers would reduce eligible borrowers’ monthly payments to no more than 31% of their household income for up to nine months. Unlike a modification, however, the arrears would be tacked onto the end of the mortgage.”

I think they are on the right track with helping the unemployed because that is who really deserves the help but they have to be able to come up with something better than this.