In the 18 months since the CARES Act first passed, over a million American homeowners took advantage of the forbearance protections the law provided for.

After a few extensions, the mortgage payment pause officially ended — or will be ending soon — for 1.2 million out of an estimated 1.7 million loans that remained in forbearance as of August, according to CoreLogic.

While experts say market conditions should prevent a wave of foreclosures, some borrowers are still struggling to get back on track.

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