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First, you could repay the missed payments in a lump sum. This will bring your mortgage back to current status. Otherwise, you could enter into a repayment plan, which adds an agreed-upon amount to your regular monthly payments, so you repay the forbearance amount over a longer time.

Forbearance is when your mortgage servicer, that's the company that sends your mortgage statement and manages your loan, or lender allows you to pause or reduce your payments for a limited period of time. Forbearance does not erase what you owe. You'll have to repay any missed or reduced payments in the future.

With forbearance, you won't have to make a payment, or you can temporarily make a smaller payment. However, you probably won't be making any progress toward forgiveness or paying back your loan.

Negative Effects On Your Credit Unless your loan servicer specifies otherwise, they will report your mortgage forbearance to the credit bureaus, which can lower your credit score because it shows a period when you weren't making mortgage payments.

Land record books record deeds and mortgages, but you also can find bills of sale, manumissions, and certificates of freedom prior to Emancipation. These land and property records, formerly held at the county courthouses, are now held at the Maryland State Archives for preservation.

The best way to find an older plat is by tracing the property backwards through historical deeds on mdlandrec.net. Deeds often reference the book and page for a plat, and you will find references to older plats as you search older deeds for the property.