Behind on Mortgage Payments
Falling behind is more common than you think, and it doesn't mean you've lost your home. The earlier you act, the more choices you have.
What usually happens
- Around day 15: a late fee is typically added.
- By day 36: your servicer must try to reach you about options.
- Around day 45: you should receive written information about loss mitigation.
- After day 120: the lender may generally file a foreclosure lawsuit.
What to do now
- Open every letter from your servicer.
- Call your servicer and ask about all loss mitigation options.
- Gather pay stubs, bank statements, and tax returns.
- Talk to us or a HUD-approved counselor for a free review.
Options at this stage
Repayment plans, forbearance, loan modification, reinstatement, and a sale on your own timeline are all usually still on the table.
Keep exploring
Received a Notice of Default or Demand Letter
A breach or demand letter means the lender is preparing for the next step.
Learn moreServed With Foreclosure Papers
A summons and complaint start the court case. Deadlines now matter.
Learn moreAuction Date Already Set
Time is short, but options may still exist before the sale.
Learn moreYou don't have to figure this out alone
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