How Many Mortgage Payments Can You Miss Before Foreclosure?

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The number of payments you can miss before foreclosure proceedings varies. It often depends on your state's foreclosure laws and your lender's policies.


Your lender can potentially begin foreclosure proceedings as soon as you miss a payment. Realistically, however, it usually takes missing several payments before foreclosure proceedings begin.


The number of payments that can be missed before foreclosure begins is difficult to estimate, since foreclosure proceedings vary from state to state. As a general rule, foreclosure proceedings can move along more swiftly in states that do not require judicial involvement for a foreclosure to start. These are known as non-judicial foreclosures, which can be started solely by the lender.



While preventing a foreclosure is not always possible, it is possible to work with your lender to make arrangements that allow you to modify payments in order to stay in the home, or to come up with a plan that gets you out of the home without foreclosure. Discuss your options with your lender at the first sign of difficulty paying the mortgage.



About the Author

A writer and information professional, J.E. Cornett has a Bachelor of Arts in English from Lincoln Memorial University and a Master of Science in library and information science from the University of Kentucky. A former newspaper reporter with two Kentucky Press Association awards to her credit, she has over 10 years experience writing professionally.

Photo Credits

  • Joe Raedle/Getty Images News/Getty Images