San Francisco, CA asked in Foreclosure and Real Estate Law for California

Q: waiting for a reply from a mortgage Relief, is it ok not to pay for your mortgage, or can this bring foreclosure? TX:)

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1 Lawyer Answer
James L. Arrasmith
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  • Foreclosure Defense Lawyer
  • Sacramento, CA
  • Licensed in California

A: In California, not paying your mortgage can lead to foreclosure. This is because your mortgage agreement is a legal contract where you agree to make regular payments to your lender. If these payments aren't made, the lender has the right to start foreclosure proceedings to recover the amount owed.

However, if you're facing financial difficulties, there are options available. You should contact your lender as soon as possible to discuss your situation. Many lenders offer mortgage relief options, especially during times of widespread financial hardship. These can include loan modifications, forbearance agreements, or other forms of assistance.

It's also advisable to seek legal advice or counseling from a housing expert. They can guide you through your options and help you understand the implications of each choice. Remember, taking proactive steps early can provide more options and potentially prevent foreclosure.

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