Money & Banking
Missing a mortgage payment: what to do?
Missing a mortgage payment: the right reflexes in a few simple steps.
Written by Mohamed IDBRAHIM · Updated octobre 13, 2026 · 7 min read
Immediate actions
- 1 Call the lender before the next payment is due.
- 2 Ask about hardship and forbearance programs.
- 3 Never ignore the arrears letters.
- 4 Get housing counseling for free advice.
What not to do / warning
Lenders have more options the earlier you call them.
When a missing a mortgage payment happens, the first minutes matter. Follow these steps to act safely and without panic.
What to do right now
- Call the lender before the next payment is due.
- Ask about hardship and forbearance programs.
- Never ignore the arrears letters.
- Get housing counseling for free advice.
Mistakes to avoid
- Acting before removing the immediate source of danger.
- Panicking or skipping the official procedures.
- Following unverified advice from random websites.
How to prevent this in the future
Regular checks, keeping emergency numbers visible and preparing an essentials kit go a long way. Save this guide for offline access.
Frequently asked questions
What should I do first?
Ensure everyone is safe, remove the source of danger, then call the relevant number or begin the official procedure.
When should I call emergency services?
Whenever life, serious injury or fire is involved. When in doubt, call — dispatchers would rather check than miss an emergency.
Sources & references
- Consumer Financial Protection Bureau (https://www.consumerfinance.gov/)