Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to negotiate mortgage forbearance [title] Understand how forbearance can benefit you. [step] Forbearance provides a temporary suspension or reduction of your mortgage payments. For this reason, it may help you stay in your home until your financial situation improves.

Ending1: Forbearance can be a useful way to get out of a financial hole caused by illness, divorce, or the loss of a job. [substeps] The lender cannot file foreclosure against you once you have negotiated a mortgage forbearance agreement, unless you default on the repayment plan. Ending2: [substeps] A " temporary suspension " protects you if you pay off your car and in exchange you pay off your home loan. In exchange for a temporary suspension, you are forced to pay down your monthly payments so that your home loan payments do not affect your monthly mortgage payments. Ending3: You will receive monthly or periodic monthly payments for a period of three years. Keep in mind that there are several different types of forbearance, and each has advantages and disadvantages. Ending4: [substeps] The term of forbearance is set within 30 days of your first purchase of your home, and begins when you buy a home and get a discount on the purchase price. Your mortgage is refunded to you once the seller sells the home.

Answer format: ending1/ending2/ending3/ending4