To save your house from Loan Foreclosure , knowing what goes on behind the scenes is important. First, know that your mortgage lender also has to pay a monthly interest fee each month, for your loan, to the investor of your mortgage, whether you make your payments or not. Because of this, your mortgage lender will not be willing to allow you to miss too many payments. Foreclosure typically begins between your second and forth missed payment. Once you are delinquent 90 days or more, you are technically considered to be in foreclosure.