Federal Worker Mortgage Forbearance Act

This bill provides federal workers and certain contractors with temporary mortgage payment relief during government shutdowns. It allows covered individuals (federal employees and supporting contractors) to request a 90-day pause on payments for federally-backed mortgages (like FHA, VA, or USDA loans) during a funding lapse and the following 180 days. Servicers must grant this forbearance without charging extra interest, fees, or requiring lump-sum payments later. The bill also requires credit reporting as current during the pause and mandates agencies to notify workers about this right. It does not forgive mortgage debt but temporarily pauses payments during covered shutdown periods.