90 Days late is important to your situation.

90 Days in the life of foreclosure

When you encounter a financial setback and fall 90 days late on making your mortgage payment, your lender is obligated to take action.  This does not mean action has been taken or that your going to lose your home.  Every foreclosure is different.  Every lender is different. The economy changes, things are always changing that effect foreclosure rates in America.  90 Days is the time frame you must be aware of because your lender is legally permitted to begin the foreclosure process.   If you have never faced foreclosure, and your past the 90 day point, you need to reach out for assistance.   The Bank Loan Doctor helps thousands of homeowners who are in the same situation.   Don't try to do this alone, ask for help and you will be surprised what you can accomplish!