If your lender or servicer puts you on a repayment plan, you may be able to make up your missed mortgage loan payments over an extended period of time. You should make sure this is the right option for you. Don’t sign anything until you’re sure you understand it. Call the CFPB at 1-855-411-CFPB (2372) to be connected to a U.S. Department of Housing and Urban Development (HUD)-approved housing counselor today.