If you’re falling behind on mortgage payments in Sacramento, you’re not alone. Whether it’s due to job loss, inflation, or unexpected life changes, a late mortgage payment can happen fast — and so can the threat of foreclosure.
But don’t panic. There are several ways to avoid losing your home, protect your credit, and even walk away with money in your pocket. Let’s look at your options before things spiral out of control.
What Happens When You Get Behind on Mortgage Payments?
When you miss a payment, your lender will usually give you a grace period (often 15 days). After that, you’ll face late fees, and the late mortgage payment may be reported to credit bureaus, damaging your score.
Once you’re 4 months behind on mortgage payments, most lenders will start the foreclosure process in California — even if you’re trying to catch up.
Common Questions We Hear From Sacramento Homeowners
- “How many months behind on mortgage before foreclosure?”
- “Can you refinance if you’re behind on your mortgage?”
- “I’m behind mortgage payments — what can I do?”
- “Is there help for veterans behind on mortgage?”
No matter your situation, you have options.
Options When Behind on Mortgage in Sacramento
1. Forbearance or Loan Modification
You may be able to work with your lender to pause or adjust your payments, especially if you can prove financial hardship.
2. Refinance
If your credit and income still qualify, refinancing into a lower payment might buy you more time — but it’s tough once you’re already behind on mortgage payments.
3. Sell Before Foreclosure
This is often the smartest way to avoid long-term damage. If there’s equity in your home, selling it — especially for cash, as-is — can stop foreclosure and let you move forward.
Sell to a Cash Home Buyer in Sacramento
At R&H Distressed Properties, we help homeowners who are behind on mortgage payments or facing foreclosure. We buy homes as-is, with no agents, no inspections, and we can close in as little as 7 days.
👉 Get a confidential cash offer today
📞 Or call/text us to talk through your mortgage situation.
FAQ – Late Mortgage Payments in Sacramento
When does a late mortgage payment get reported?
Usually after 30 days, but it depends on your lender’s policy.
How late can mortgage payment be?
Most lenders offer a grace period of 10–15 days before charging late fees. After 30 days, it affects your credit.
What happens if you get behind on your mortgage?
You may face penalties, foreclosure proceedings, and legal action if no action is taken.
What’s the best option if I’m behind mortgage payments and need help fast?
A cash sale can stop the foreclosure process and protect your credit, especially if your home has equity.