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How long after the 90 days do I have before they foreclose o

Posted on: 24th Apr, 2008 05:06 pm
I am 90 days late I have tried everything to negotiate.
So in Texas where my house is how long before they start Auctoin or foreclose on me?

Lenders do not generally start foreclosure proceedings unless you have missed 3-4 payments. It is thus strange that your lender started foreclosure even though you just missed 1 payment. It is even stranger that your mortgage company rejected your payments when you tried to make up for the missed payment. But since they have now agreed to accept the payment, you can talk to them regarding the attorney fees. Once you get current on the loan and make your payments on time, the lender might not ask for the fees anymore.

To Ray,

If you are 38 days late on your monthly payments, the lender is unlikely to foreclose your house. Foreclosure is a lendes last option to collect the outstanding balance on the mortgage loan. So, it is expected that they would not foreclose until you have missed 3-4 mortgage payments. Thus, the more quickly you get current on the loan, the better it is for you. However, the lender will charge you late fees for having failed to make payments on time.
Posted on: 19th Mar, 2010 01:00 am
no matter what your situation is, if you are not in conversation with your lender, they'll not play around with you. you need to keep them posted on your situation, let them know when you can make a payment, and fix it if you are not able to carry through on a promise.

yes, these servicing people can be annoying when you get them on the phone - outsourcing is not only taking jobs away from us, but common sense goes out the window too - but you still have to deal with the folk who (eventually) answer the phone, and let them know what your plan is, if you have one, or not.
Posted on: 19th Mar, 2010 01:25 pm
Are late payments over 90 days considered as foreclosure
Posted on: 13th May, 2010 05:36 pm
When a person defaults on his loan for 90 days, the lender has the rights to start foreclosure proceedings.
Posted on: 14th May, 2010 01:52 am
My Mortgage went 90days pass due sept 30....I have not gotten a letter or anything I live in TX, how long do I have b4 I have to move.
Posted on: 08th Oct, 2010 05:41 pm
Hi Guest,

The lender will start the foreclosure process and inform you about the sale of the property. Once the property is sold off, you'll be able get an eviction letter from the lender. This letter will mention the time period within which you'll have to leave the property.
Posted on: 09th Oct, 2010 12:55 am
Go to state-foreclosure-laws don't forget the dots.. wouldn't post with them! You can find all your answers to your question on this web site... Good Luck, Sue
Posted on: 04th Aug, 2011 01:25 pm
I'm in Ks and I am late on house payments I am now only 1 1/2 months behind and been working on getting all caught up. I told the owner and he said since I was behind that he was going to proceed with proceedings on default. I will have it all paid in two weeks. What can I do to stop him???
Posted on: 16th Jan, 2013 03:35 pm
Hi shirley!

Welcome to forums!

You should negotiate with the owner in order to convince him so that he doesn't foreclose the property immediately. You should tell him that you will be able to pay off the dues in full within 2 weeks. Hopefully, this will convince him to stop the foreclosure for the time being.

Feel free to ask if you've further queries.

Posted on: 16th Jan, 2013 09:28 pm
I have lost my job but I pay 550 which my mortgage is 756 can they still foreclose on my house if I don't pay the full amount
Posted on: 02nd May, 2013 07:03 pm
Hi Shy,

There are chances that the lender may foreclose the property as you are not making the full payments.

Posted on: 02nd May, 2013 10:32 pm
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