Only an order of the court can force you to leave your home. Ultimately you may be evicted but there are procedures within the court system that the mortgage holder must follow first for the foreclosure and then another set for the eviction. In Massachusetts it works like this. Pre-Foreclosure Customer misses mortgage payment. Late notice send by bank.
Customer misses additional payments.
Bank attempts in writing and by phone to contact customer and resolve situation. No arrangements are agreed upon and customer continues to miss payments. Bank issues demand for payment under the note in full, based on the acceleration clause. Most mortgage notes contain language which basically says if you fail to pay the bank under the terms of the note with monthly payments as promised they can accelerate the note, meaning that the full amount is due on demand. You will find from this stage on the bank will not accept monthly payments.