As a general matter, a foreclosure can only happen when a borrower is at least 3 months behind on their mortgage payments. However, there may be situations where a foreclosure process may be started even if you are up to date on your loan. For example, if you have unpaid property taxes that are paid through your mortgage, if your homeowners’ insurance is not up to date, or if you have violated other terms of your mortgage, then the bank may initiate foreclosure proceedings.nnThe most common reason for foreclosure is falling behind on mortgage payments. If you are in this situation, reach out to an experienced Federal Way bankruptcy lawyer to schedule a free initial consultation about your options.