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Foreclosure Articles

Can You Avoid Foreclosure By Making Delinquent Mortgage Payments?

ByJoshua Denbeaux February 6, 2024April 1, 2025

Foreclosure can be a stressful time. If you’re facing foreclosure, there are a lot of different options that can help you avoid foreclosure. Some options can even help you stay in your home while avoiding foreclosure.

If you’re facing foreclosure or have received a foreclosure summons, it doesn’t mean that it’s a lost cause and you’re going to be foreclosed on. You still have time to act to stop or avoid foreclosure.

Contact Denbeaux & Denbeaux Law today to learn more about how we may be able to help you avoid foreclosure. 

Mortgage Reinstatement

A mortgage reinstatement is when you catch up on your missed mortgage payments. To reinstate your mortgage, you’ll typically need to make a single payment of everything that you owe, including any late fees or penalties. 

It’s important to contact your mortgage servicer. The amount you have to pay won’t just be the amount of mortgage payments that you’ve missed. There will also be late fees, and you could potentially have to pay inspection costs or any costs from the foreclosure proceedings. 

You should try to reinstate your mortgage as soon as possible. You can continue to incur late fees throughout the foreclosure process. The sooner you pay your past-due mortgage payments, the fewer late fees you should have to pay. 

You should contact your mortgage servicer before making any payment to confirm how much you’ll owe on the date you plan on making the payment. If you pay the incorrect amount or don’t pay in full, your servicer could reject your payment.

After mortgage reinstatement, you’ll need to keep up with your mortgage payments to avoid going back into default and facing foreclosure again.

Payoff Your Mortgage

If you don’t want to pay to reinstate your mortgage and continue making regular mortgage payments, you can pay off your mortgage. You can pay your lender the total remaining balance of your loan. Paying off your loan and getting rid of your mortgage is more expensive than reinstating your mortgage, but you won’t have to make any more mortgage payments.

It’s important to read the terms of your mortgage before you do this. Some mortgages have fees for paying off your loan early. This could mean that you might end up paying more than if you continue to make your mortgage payments on time after reinstatement.

What If I Can’t Afford to Pay Delinquent Payments?

However, neither of these solutions is usually viable for most people who have delinquent mortgage payments in the first place. If you’re already short on cash, making large payments to get your mortgage current or to pay off your mortgage is likely out of reach.

There are other alternatives to avoid foreclosure you can learn more about, including loan modifications, short sales, forbearance agreements, and repayment plans.

If you’re unsure which option may be best for you, consulting with an experienced foreclosure attorney can help you make a plan to save your home even if you have delinquent payments.

Contact Us for A Free Foreclosure Consultation

There are a lot of different options that can help you avoid foreclosure on your home. Even if the foreclosure process has already begun, there are still ways you can stop it.

A foreclosure attorney can help explain all of your options to avoid foreclosure. After looking into your specific financial situation, they can also help advise you on what options might be a good fit for you.

Contact Joshua Denbeaux to learn more about options to avoid foreclosure and how we may be able to help you.

Joshua Denbeaux

Attorney

Joshua Denbeaux is a Partner at Denbeaux & Denbeaux, concentrating his practice on financial consumer rights issues and foreclosure defense. He has substantial experience in legal matters related to foreclosure, loan modification, debt collection, and the prosecution of cases related to predatory lending. Mr. Denbeaux received his law degree in 1994 from Seton Hall University after completing his undergraduate work at The College of Wooster. Mr. Denbeaux is licensed to practice in the United States District Courts for New Jersey.

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