Many Americans have been hit hard by the pandemic and doing things that were normal a few months ago, like making your monthly mortgage payment are now a struggle for many. If you need to pause your payments there is a government program called the CARES Act which allows you to pause payments for up to 180 days (and there is an option to extend another 180 days).
You will need to have a federally backed loan to qualify (FHA, VA, USDA, Fannie Mae, Freddie Mac backed loan), if you do not have a federally back loan you will need to contact your servicer for assistance, many are offering options.
To apply for forbearance you will need to contact your loan servicer and must have been current on payments prior to February 1, 2020. You don’t need to provide evidence only to assert you have suffered from hardship during the pandemic.
Forbearance will protect you from negative credit reports as your mortgage will still be listed as current. You will not be charged late fees, or interest penalties during forbearance.
Its important to keep in mind that all payments missed must still be made in the future!
Remember to ask for written documentation from your servicer confirming your forbearance agreement and details!
https://www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/#options