It has been a good year so far — the stock market is surging, real estate is rebounding and interest rates remain low. But some luxury homeowners are still falling behind on their jumbo-mortgage payments, The Wall Street Journal reports. 

When that happens, lenders are typically willing to offer borrowers relief by deferring some payments — the official term is forbearance. Jumbo mortgages, defined as above $417,000 in most of the nation and $625,500 in some high-price markets, aren’t backed by the government. Instead, most lenders hold the loans on their books — giving them an incentive to work with borrowers in distress to avert foreclosures.