FHA delinquency rates hit a 4-year high in late 2025, and conventional mortgage late payments are climbing in every major metro. If you are 60 or 90 days behind, the clock is ticking toward formal foreclosure proceedings. But you still have options: forbearance, loan modification, short sale, or selling for cash before the bank acts. The key is moving fast, because every month of missed payments adds fees and damages your credit further.
You can sell your house even with unpaid HOA dues. Learn how HOA liens work, what happens at closing, and how cash buyers handle delinquent HOA accounts.
After 30 days late, your lender starts the collection process. Here is the exact timeline and your options at every stage to avoid foreclosure.