Coldwell Banker A.L.M.
Most lenders operate the same from state to state. The time to foreclose varies. Sometime the foreclosure is quicker for vacant homes or homes that have damage. You may have as little as 4 months and as much as 14 months. I do know some homeowners who have not made a payment in 14 months. Start making your plans now because the banks procedures can change and may process your foreclosure quickly. You need to be in contact with your lender and looking into all your options including short sale or refinance.
Best of Luck,
Off Campus Housing USA
I am sorry for you and wish you a speedy financial recovery!
"The Real Estate Doctor"