stage1.html

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layout: fundamental
title: Stage 1
category: guide
---

{% include stage-nav.html title="I Have Fallen Behind on Home Payments" search = "true" %}


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        <h3>What will happen now?</h3>
        <p>If you have not paid the mortgage, the bank will start contacting you to know when you can pay it. If you have fallen behind <strong>1 to 2 months</strong> in payment, the bank will tell you that they will start the foreclosure process for your home. Don't worry about your home getting taken away immediately. The foreclosure process takes at least a year. You will have a fair opportunity to get help and try to recover.</p>
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        <h3>What should I do?</h3>
        <p>
            You should consider consulting with a housing counselor to personally help you.<br>
            Go to this website to find housing counselors near you: <a class="color_link" target="_blank" href="http://www.consumerfinance.gov/find-a-housing-counselor/">Consumer Financial Protection Bureau</a><br>Tips for protecting yourself from scams: <a target="_blank" href="http://www.ag.ny.gov/consumer-frauds/help-homeowners">http://www.ag.ny.gov/consumer-frauds/help-homeowners</a>
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