While most of us are struggling with this Pandemic...

While most of us are struggling with this Pandemic and having a hard time paying bills. A majority of mortgage companies are allowing payments to be deferred for up to 90 days. Not VHDA at all. No deferral options at all. You can fill out a request not to make payments for 60 days. After that you have to pay the lump sum of the payments you missed. If you can't pay them monthly because of the Pandemic how in the hell can you afford to pay the lump sum. Oh wait they offer you some type of financial hardship that you can file for after that. Just a real good way to screw up everything you have worked so hard for. Cannot believe there is no option for deferral like everywhere else.