I got a call back from BOA yesterday

Under a ‘forbearance’ , the payments aren’t just tacked onto the end of the mortgage, as I had been led to believe. If I had a 3 month forbearance, I’d have to pay all 3 months’ worth the 4th month, as well as that month’s payment.
So that isn’t an option. The guy told me about a government program that may pay my mortgage for a period of time, so I guess I’ll apply
for that. That only works if I qualify(not a given). But it would be better if I could just FIND a JOB…