With the recent legislation regarding forbearance may make it seem tempting to not pay the mortgage payment. It is important, however, to pay your mortgage if possible. Forbearance is NOT a forgiveness of payment. You will still owe the missed monthly payments, and will most likely have to pay it all back at once.
With that being said, if it is impossible to pay the monthly mortgage amount, then exercise the forbearance option. Just remember, you will owe the amount at a later time.