How long can a mortgage go unpaid? Under national law, a mortgage servicer can’t begin foreclosure until a homeowner is late on payments for more than 120 days delinquent. The 120-day pre-foreclosure period gives the homeowner a chance to catch up currently on loan.
How long can you go without paying a mortgage? Property Owners or Homeowners with loans federally supported have the freedom to request for and accept a forbearance time for up to 180 days—which indicates you can decrease your mortgage expenses for up to six months. You, the homeowner, can also request an extension of forbearance for up to 180 extra days, for a sum of 360 days.