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Special Forbearance (Sfb) - Unemployment Option

FHA Single Family Housing Policy Handbook Glossary November 26 2025

Updated 08-20-2026

Special Forbearance (Sfb) - Unemployment Option

The Special Forbearance (SFB) – Unemployment Option is a Home Retention Option available when one or more of the Borrowers have become unemployed and this loss of employment has negatively affected the Borrower’s ability to continue to make their monthly Mortgage Payment.

FHA Single Family Housing Policy Handbook Glossary November 26 2025

p. 54

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