Definitely have her contact her mortgage company. Most mortgage lenders offer different types of assistance for extraordinary circumstances, but the most important thing to do is contact them immediately. There is a good chance that the mortgage lender can place her in a forbearance period where she will not have to make her payment for the next few months and then at the end of the forbearance period there will be a loan modification done to modify the loan due to the missed payments. There are also other programs that lenders offer to make reduced payments, temporarily suspend interest, etc... Call immediately.
A lender can begin foreclosure after the first payment is missed, this is usually called pre-foreclosure. However, most lenders will not begin foreclosure until the mortgage has been 90 days (3 months) past due. The longer she goes without making a payment the more detrimental it is going to be on her credit and such. Best of luck.
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