When you don’t make a payment (default) on your mortgage, the lender (the mortgagee) can use the legal process of foreclosure to take back (repossess) your home and sell it to pay the mortgage debt.
This PDF read from Legal Services Society is for you if: LINK TO PDF
you’re about to miss a mortgage payment,
you’ve already missed one or more mortgage payments,
the lender has sent you a reminder letter or a demand letter, or
you’ve received a foreclosure Petition.
If you find you can't pay your mortgage, PLEASE contact me first before your situation gets out of hand that no option but foreclosure is available.