The number of missed payments required to trigger a foreclosure can vary depending on the terms of your mortgage agreement and the laws in your state. Generally speaking, most lenders will not initiate foreclosure proceedings until a borrower has missed several consecutive mortgage payments.
In most cases, borrowers will be considered delinquent on their mortgage payments if they have missed three or more consecutive payments. At this point, the lender may begin the foreclosure process by sending the borrower a notice of default, giving them a specified period to bring their payments up to date or face foreclosure.
Keep in mind that missing even a single mortgage payment can hurt your credit score and make it more difficult to obtain credit in the future. If you are having difficulty making your mortgage payments, contact your lender as soon as possible to discuss your options and avoid the risk of foreclosure.