06/12/2026
⏳ Homeowners can miss payments for a long time—sometimes a year or more.
But the bank can start the 21-day / 30-day clock at any moment.
Traditionally, after about three missed payments, the bank gets serious. And once that countdown starts, motivation spikes.
That’s when I step in—stop the foreclosure date, then run the full short sale process.
👉 Visit thedavidrandolph.com and join my monthly coaching call at Short-Sale-Prophets.