Behind on mortgage payments

Falling behind on a mortgage payment is stressful, but one late or missed installment is not the same thing as foreclosure. What happens next usually depends on your due date, any grace period, your loan and investor rules, and how your servicer handles outreach.

What this hub covers

Use the guides linked here for orientation on missed payments, being about 60 days behind, and communicating clearly with your servicer. Exact fees, credit reporting, and timelines vary—your loan documents and servicer notices are authoritative.

Keep options in view

Payment trouble and loss-mitigation options often run in parallel. If you are also exploring ways to catch up or considering a sale, browse the related hubs on keeping or selling your home. For personalized questions, a HUD-approved housing counselor or licensed professional for your state can help you interpret your own file.