If mortgage forbearance doesn't seem right for you, consider other mortgage payment assistance options. You can consider:
Refinancing: You can refinance your loan to secure a lower monthly payment. A new lender may offer you a lower interest rate or extend your overall loan term. Loan modification: You can approach your current lender to discuss modifying your loan to secure a lower monthly payment.  Selling your home: If rent is significantly cheaper in your area than your mortgage payment, consider selling your home and renting for a while.