10/10/2026
Falling behind on a mortgage is the kind of thing people keep quiet about for months.
That silence is the expensive part.
Three or four payments down, you still have genuine choices in front of you, including selling the house on a timeline you set rather than one a court sets, and possibly a short sale if you owe more than the place would fetch.
What shrinks those choices is time, not the amount owed.
A lender will nearly always take a call from someone who rings them in month two, and nearly never negotiate with someone who has spent six months not answering the phone.
If this is where you are, it is worth a conversation before it becomes a decision.
Request a free copy of my book and start there.
https://terraking.book.live/biz-card-book