Late Crisis: You’re 90–120+ Days Behind

Notices may be arriving. Here’s how to respond fast..

You’re in the late stage — but still have a chance to act. Use these tools and videos to make smart, immediate moves.

Still need your personalized roadmap? The next step matters — your free roadmap lays out every available mortgage assistance option and shows you how to move forward.
Just click the GrabMyRoadmap.com logo below to get started!

                                

Video Lessons for This Stage

What Happens If You Miss
3 Mortgage Payments?
View Transcript
Pre-Foreclosure Notice Arrived:
Now What?
View Transcript
The 120-Day Rule: What It Means
and Why It Matters
View Transcript
Options That Might Still Work
at 90+ Days Late
View Transcript

More Videos for This Stage

Future lessons will be added to this stage.

Coming Soon!

Helper Tools for This Stage

Short-Term
Forbearance Request

Ask your lender to pause payments temporarily

Get Letter

Foreclosure Countdown Calendar

Map deadlines leading up to foreclosure auction

Download Calendar

View More Tools for This Stage

Explore the full set of support materials

Open Tool Library

Official Resources for This Stage

VA
Delinquency Help
Download PDF
USDA
Forbearance FAQ
Download PDF
Explore All Federal Docs for This Stage
View Full Library

Want the full foreclosure timeline and alert system tailored to your situation?

Grab Your Roadmap

Next steps if your situation escalates

Learn what to do if things get worse

View the Terminal Phase