집 모기지를 유예시켰어요, forbearance plan을 해서 6개월 간 모기지 안내게 되는데

편지를 받았는데, 내용이 잘 이해가 안 되어서요

우리 집 모기지가 유예하는 동안

taxes and insurance,는 계속 내야하는 것 같은데그런가요?

그리고 아래에 however 부터 내용은 무슨 뜻이에요?

유예 기간 동안 taxes and insurance 는 갖고 가는데, 유예기간 후에 또 내라 이런 것인가요?

유예 기간 동안 taxes and insurance는내야 한다, 그러나 그 이후 유예기간 만큼 낸 것들만 안 내도 되는 것은 아니다???

뭐 이런 뜻인가요?

Will my escrow payments for taxes and insurance premiums continue to be paid out of my escrow account during my forbearance period?

Yes. If your account is currently escrowed for taxes and insurance, those payments will be made and assessed against your escrow account.

Should your escrow account become depleted while on forbearance, this will result in a shortage to your account. Your servicer will advance, on your behalf, any escrow account shortage for taxes and insurance during the forbearance period.

However, any advances for taxes and insurance will also need to be repaid at the end of the forbearance period. Depending on the type of mortgage loan you have, this escrow shortage may be repaid through a replenishment of the escrow account, a repayment plan, or modification at the end of the forbearance period.

If your monthly mortgage payment does not include an escrow payment for taxes and insurance, you must continue to make those payments during the forbearance period in accordance with your mortgage loan documents