{"id":6448,"date":"2025-04-14T09:15:13","date_gmt":"2025-04-14T13:15:13","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=6448"},"modified":"2025-04-14T09:15:16","modified_gmt":"2025-04-14T13:15:16","slug":"q-a-why-did-i-get-a-notice-of-default-on-the-mortgage","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/q-a-why-did-i-get-a-notice-of-default-on-the-mortgage\/","title":{"rendered":"Q &amp; A: Why Did I Get a Notice of Default on the Mortgage?"},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-full is-style-rounded is-style-rounded--1\"><img loading=\"lazy\" decoding=\"async\" width=\"1536\" height=\"731\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/04\/why-did-i-get-a-notice-of-default-for-my-mortgage.webp\" alt=\"\" class=\"wp-image-6449\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/04\/why-did-i-get-a-notice-of-default-for-my-mortgage.webp 1536w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/04\/why-did-i-get-a-notice-of-default-for-my-mortgage-300x143.webp 300w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/04\/why-did-i-get-a-notice-of-default-for-my-mortgage-1024x487.webp 1024w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/04\/why-did-i-get-a-notice-of-default-for-my-mortgage-768x366.webp 768w\" sizes=\"auto, (max-width: 1536px) 100vw, 1536px\" \/><\/figure>\n\n\n\n<p>It\u2019s that time of year again. Mortgage holders\u2019 bank accounts face extra stress in many households. The 2024 tax bills are now due. So are estimated 2025 taxes for small business owners. When taxes are done, what if insufficient funds remain for the mortgage payment?<\/p>\n\n\n\n<p><a href=\"https:\/\/www.deeds.com\/articles\/is-the-30-year-mortgage-best\/\">Mortgage<\/a> lenders send a <em>notice of default<\/em> (a.k.a. <em>notice of foreclosure<\/em>) to a borrower who\u2019s behind with monthly payments. Notices of default tell the borrower what needs to be done to bring the payments up to date \u2014 and how soon that must happen. In blunt terms, a default notice tells the borrower: Catch up quick, or we could foreclose.<\/p>\n\n\n\n<p>Here\u2019s the gist of what borrowers need to know about the notice of default.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Q. When Do Mortgage Companies Issue These Notices?<\/h2>\n\n\n\n<p><strong>A.<\/strong> 120 days after the mortgage payment doesn\u2019t arrive.<\/p>\n\n\n\n<p>When the borrower is 45 days behind in paying, the mortgage company contacts the borrower to find out what\u2019s going on. Initial contact is not a notice of default. At this time, the borrower might be able to get the company to work out a plan.<\/p>\n\n\n\n<p>It\u2019s important to ask ahead of time, though. If the borrower asks for a loan modification, or, alternatively, for permission for a short sale, the mortgage status goes into pause mode. The mortgage company considers the request and makes a decision.<\/p>\n\n\n\n<p class=\"has-accent-5-background-color has-background has-small-font-size\" style=\"padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\"><em><strong>A person who has equity in the home and receives a valid default notice might want to put the home on the market. In a <\/strong><\/em><a href=\"https:\/\/www.deeds.com\/articles\/to-avoid-foreclosure-which-should-i-do-deed-in-lieu-or-short-sale\/\"><strong><em>short sale<\/em><\/strong><\/a><em><strong>, the borrower loses the home, but this is less damaging to a credit profile than foreclosure is.<\/strong><\/em><\/p>\n\n\n\n<p>Under federal law, a lender may not issue a default notice and start the foreclosure process until the borrower is 120 days behind. &nbsp;<\/p>\n\n\n\n<p>Note that each state\u2019s law also comes into play. Take California, where the law says:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lenders must contact a borrower who is behind in payments <em>at least 30 days before<\/em> sending a notice of default and beginning the process of taking the deed.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Once the default notice goes out, the borrower has <em>three months<\/em> to catch up on all payments.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Unless the borrower can make that full payment, the lender may record a notice of sale, stating that the home will be auctioned in <em>21 days<\/em>. \u00a0<\/li>\n<\/ul>\n\n\n\n<p>Concerned borrowers need to find out what their states require, and when.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Q. What Is Loss Mitigation?<\/h2>\n\n\n\n<figure class=\"wp-block-image alignright size-full is-style-rounded is-style-rounded--2\"><img loading=\"lazy\" decoding=\"async\" width=\"676\" height=\"902\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/04\/what-is-loss-mitigation.webp\" alt=\"\" class=\"wp-image-6450\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/04\/what-is-loss-mitigation.webp 676w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/04\/what-is-loss-mitigation-225x300.webp 225w\" sizes=\"auto, (max-width: 676px) 100vw, 676px\" \/><\/figure>\n\n\n\n<p><strong>A.<\/strong> If the borrower doesn\u2019t respond or doesn\u2019t pay up in time, the foreclosure process looms. Banks aren\u2019t eager to foreclose. They prefer to keep receiving payments with interest. That\u2019s why they work out arrangements with struggling borrowers \u2014 to \u201cmitigate\u201d their losses. &nbsp;<\/p>\n\n\n\n<p>If a struggling borrower makes an SOS call to the company, the representative on the line typically redirects that borrower to the lender\u2019s <em>loss mitigation<\/em> department. The borrower\u2019s relief options could include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A repayment plan. This means paying back the overdue amount on a schedule.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Forbearance. If the borrower faces a job loss or a one-off financial setback, forbearance could be available. This puts the mortgage on hold (or allows for lower payments) for a given period, until the borrower gets back on firm financial footing.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A loan modification. If financial hardship will continue for an extended time, a mortgage company could decide to assist by extending the terms of the loan, or possibly even modifying the interest charges.<\/li>\n<\/ul>\n\n\n\n<p>If a lender offers one of the above possibilities, a deed holder could catch a break in return for holding onto the home and the debt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Q. When the Deed Holder Sells the Home, Could That Trigger a Default Notice?<\/h2>\n\n\n\n<p><strong>A. <\/strong>A mortgage loan has a due-on-sale clause. A deed transfer triggers that clause. So, the due-on-sale clause comes into play when you sell a home.<\/p>\n\n\n\n<p>Due-on-sale clauses create a situation where a full loan payoff is immediately required. While this isn\u2019t common, it\u2019s possible that a lender\u2019s data system would flag a home as defaulting when the owner transfers the deed. Just be aware that you can\u2019t transfer your deed before you have arranged:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A lender-approved <a href=\"https:\/\/www.deeds.com\/articles\/assume-makes-a-great-deal-for-you-and-me-right-what-to-know-about-your-assumable-mortgage\/\">assumption of the mortgage<\/a> by your deed recipient; or<\/li>\n\n\n\n<li>Full and final payoff of the mortgage loan.<\/li>\n<\/ul>\n\n\n\n<p>Word to the wise. Unless your loan is assumable, be sure you get your mortgage company\u2019s go-ahead to transfer your deed. Confirm that the lender knows you are using your sale proceeds for your final payoff.&nbsp;Otherwise, you could be placing yourself at risk of a foreclosure-related stink bomb on your credit report.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Q. What If I Got a Notice of Default on the Former Deed Holder\u2019s Mortgage?<\/h2>\n\n\n\n<p><strong>A. <\/strong>Call the lender. Use caution, in case you\u2019re receiving a scam notice. Don\u2019t use the phone number written on a letter or text message. &nbsp;<\/p>\n\n\n\n<p>Call the title company that handled your settlement also. It is the title company\u2019s role to make sure you get a clear title at closing. If the seller paid the loan off, but the funds were not properly applied to the seller\u2019s mortgage account, the title company can get to the root of the mistake.<\/p>\n\n\n\n<p>Your lender has protection for your good title, with title insurance. You paid for the lender\u2019s title insurance at closing. The title company should defend the deed for your lender and resolve the previous balance. &nbsp;<\/p>\n\n\n\n<p class=\"has-accent-5-background-color has-background has-small-font-size\" style=\"padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\"><em><strong>Are you protected from claims on your title after closing? An <\/strong><\/em><a href=\"https:\/\/www.deeds.com\/articles\/buying-a-home-should-you-pick-your-own-title-insurance-policy\/\"><strong><em>owner\u2019s title insurance policy<\/em><\/strong><\/a><em><strong> can prove useful if a legal action arises against the policy holder.<\/strong><\/em><\/p>\n\n\n\n<p>In a worst-case scenario, a former deed holder\u2019s mortgage lender with <a href=\"https:\/\/www.deeds.com\/articles\/when-lien-holders-demand-repayment-who-has-the-most-to-gain-by-foreclosing\/\">lien priority<\/a> could attempt to foreclose. Preserve your credit and your good title. It\u2019s a good move to speak to a lawyer in the rare case that an unexpected mortgage lien turns up in the records. You or your lawyer can call the insurance department if the title company is not fulfilling its role in compliance with state standards. Each state has its own enforcement bureau.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p>If you\u2019re ever feeling stressed about your ability to make a mortgage payment, it\u2019s best to be proactive. Work with the company to understand your options, and act. To avoid credit profile damage, challenge the notice immediately if it appears to be a mistake.<\/p>\n\n\n\n<p>It\u2019s not helpful to wait and see if things will get worse or better. Once a mortgage company issues a default notice on a loan, the lender could gain control of the deed within just weeks.<\/p>\n\n\n\n<p><strong><em>Important notes: <\/em><\/strong>Neither this website nor any other can provide case-specific legal or financial advice. Consult a lawyer if you are facing legal action over a mortgage debt.<em> Deeds.com<\/em> is not a financial adviser. Please use this article as a general orientation, not state-specific or situation-specific legal or financial advice.<\/p>\n\n\n\n<div class=\"wp-block-group has-accent-5-background-color has-background has-small-font-size is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<p><strong>Supporting References<\/strong><\/p>\n\n\n\n<p>Taylor Freitas for Bankrate LLC via <em>Bankrate.com<\/em>: <a href=\"https:\/\/www.bankrate.com\/mortgages\/notice-of-default\/\" target=\"_blank\" rel=\"noreferrer noopener\">What Is a Notice of Default<\/a>? (Jan. 31, 2025).<\/p>\n\n\n\n<p>Elizabeth Weintraub for Dotdash Meredith Publishing via <em>The Balance<\/em>: <a href=\"https:\/\/www.thebalancemoney.com\/what-is-a-notice-of-default-1798596\" target=\"_blank\" rel=\"noreferrer noopener\">What Does It Mean to Receive a Notice of Default<\/a>? (updated Dec. 9, 2022).<\/p>\n\n\n\n<p><em>Deeds.com<\/em>: <a href=\"https:\/\/www.deeds.com\/articles\/transferring-a-deed-before-the-loan-is-paid-off-be-mindful-of-the-due-on-sale-clause\/\">Transferring a Deed Before the Loan Is Paid Off? Be Mindful of the \u201cDue-on-Sale\u201d Clause<\/a> (Mar. 12, 2025).<\/p>\n\n\n\n<p>And as linked.<\/p>\n\n\n\n<p><strong>More on topics: <\/strong><a href=\"https:\/\/www.deeds.com\/articles\/back-in-the-game-how-to-get-another-deed-after-a-bankruptcy-foreclosure-or-short-sale\/\">Getting another deed after foreclosure<\/a><strong>, <\/strong><a href=\"https:\/\/www.deeds.com\/articles\/when-lien-holders-demand-repayment-who-has-the-most-to-gain-by-foreclosing\/\">Lien holders demand repayment<\/a><\/p>\n\n\n\n<p>Photo credits: <a href=\"https:\/\/www.pexels.com\/photo\/man-reading-paperwork-and-feeling-shocked-7534797\/\" target=\"_blank\" rel=\"noreferrer noopener\">Mikhail Nilov<\/a>, via Pexels \/ Canva.<\/p>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>It\u2019s that time of year again. Mortgage holders\u2019 bank accounts face extra stress in many households. The 2024 tax bills are now due. So are estimated 2025 taxes for small business owners. When taxes are done, what if insufficient funds remain for the mortgage payment? Mortgage lenders send a notice of default (a.k.a. notice of [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":6449,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[57,131],"tags":[2342,2228,2341,1724,2344,2345,2343,2340,1721,720],"class_list":["post-6448","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage","category-real-estate","tag-due-on-sale-clause-2","tag-foreclosure-process","tag-loan-modification","tag-loss-mitigation","tag-mortgage-default","tag-mortgage-foreclosure","tag-mortgage-help","tag-notice-of-default","tag-short-sale","tag-title-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Q &amp; A: Why Did I Get a Notice of Default on the Mortgage? - Deeds.com<\/title>\n<meta name=\"description\" content=\"Got a notice of default on your mortgage? 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