Missing a mortgage payment: what to do?
Missing a mortgage payment: the right reflexes in a few simple steps.
Quick answer
4 steps — read this before anything else
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1
Call the lender before the next payment is due.
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2
Ask about hardship and forbearance programs.
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3
Never ignore the arrears letters.
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4
Get housing counseling for free advice.
Warning
Lenders have more options the earlier you call them.
When a missing a mortgage payment happens, the first minutes matter. Follow these steps to act safely and without panic.
What to do right now
- Call the lender before the next payment is due.
- Ask about hardship and forbearance programs.
- Never ignore the arrears letters.
- Get housing counseling for free advice.
Mistakes to avoid
- Acting before removing the immediate source of danger.
- Panicking or skipping the official procedures.
- Following unverified advice from random websites.
How to prevent this in the future
Regular checks, keeping emergency numbers visible and preparing an essentials kit go a long way. Save this guide for offline access.
Frequently asked questions
What should I do first?
Ensure everyone is safe, remove the source of danger, then call the relevant number or begin the official procedure.
When should I call emergency services?
Whenever life, serious injury or fire is involved. When in doubt, call — dispatchers would rather check than miss an emergency.
Sources & references
Information verified with official organizations.
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