Sandra,
It sounds like you need to speak to your mortgage company regarding the future problem. Try to head it off now before it turns into a really big problem. If you can continue making your sceduled monthly payments, chances are that the lender will want them. Some payment is better than no payment. Hopefully they can work something out with you. To answer your question, if you just stop paying them, they will foreclose on you and I'm sure you don't want that. Communicate with them now before it's too late. Good luck!