Home / Behind on mortgage / Questions

How many missed payments before foreclosure starts?

Short answer

For most home loans, federal rules say the lender generally can’t start foreclosure until you’re more than 120 days behind. That time is meant for you to apply for help, so use it.

Rules differ by state. This is general information, not legal or professional advice.

See every step in 1 minuteBehind on your mortgage? What to do
Watch nowRead the guide

People also ask

How long until foreclosure?›Will a loan modification hurt my credit?›What is forbearance?›What is a loan modification?›Will selling my house stop foreclosure?›Are housing counselors free?›How do I spot a foreclosure rescue scam?›

See all questions (8) ›

Official sources