I'm not sure what you are asking, but I will do my best to answer. Malcom, a lender will send you a notice of default after 3 months of not paying your mortgage. 1-3 months later the home will foreclose and be sold at auction. A foreclosure will remain on your credit profile for 10 years. Your fico score will drop and it may be hard to establish credit afterwards. I hope that answered your question.