A delinquent mortgage is a mortgage that has not been paid on time. When a borrower misses a mortgage payment, they are considered to be in delinquency, and they may be subject to late fees, additional interest charges, and other penalties. If a borrower continues to be delinquent on their mortgage payments, they may eventually be at risk of foreclosure, which is the process of repossessing the property in order to recover the unpaid debt. Borrowers who are struggling to make their mortgage payments should contact their lender as soon as possible to discuss their options and try to find a solution.