What to do after missing a mortgage payment

Contact your mortgage servicer promptly, explain what happened and ask about the payment status and available next steps. Keep records and respond to requests for information.

Do not assume that one missed payment results in immediate foreclosure, or that assistance is automatic. The consequences depend on your loan terms and circumstances.

Speak with a HUD-approved housing counselor if you need help understanding your options. Find CFPB homeowner resources.

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