The decision to dedice when to foreclose on a property is determined by the bank/lender. Each have their own time frame.Some will start the foreclosure procedure after you being one month delinquent, while others will start the foreclosure after missing as many as 6-12 months.You should call your lender and explain to them that you will be late and why you will be late. Between the two of you, you might work out a plan where you can make 1/2 a payment for a certain number of months or some type of program that might add your missed payments to the end of your mortgage.There are several things that might happen, but unless you communicate your capabilities to your lender they will never know your plans or what you can do to maintain your monthly mortgage payments.If your property do go into foreclosure and you are able to make up the back payments to include any fees charged, that will end the foreclosure procedure against you. I hope this has been of some use to you, good luck."FIGHT ON"References : Was this answer helpful?