Most likely the lender with respect to your home that has a security interest in it by way of a mortgage or a trust deed can initiate foreclosure proceedings by a way of a notice of default on your home due to you being two months in arrears.The best way to ascertain what the lender can do is to carefully read the mortgage or trust deed recorded on your home. I suggest that you try and reach a written agreement to make up the arrears owed over time and to stay current on your loan. You might consider consulting with a real estate attorney about your situation. I recommend that you cooperate with the lender concerning your matter.