No, in most cases the lender will have to review each homeowner’s individual circumstance to see if they are eligible. If you miss payments causing a hardship due to a temporary situation (such as a one-time rough spot like a temporary job loss that is now over), then you are more likely to be eligible and the program probably makes sense. If, however, your financial hardship is on-going (such as a loss of income that has not been replaced), a forbearance plan probably won’t be approved, and won’t do any good anyway. In these situations, other selling options are often better.