[Tinette]

...to be before a loan co. can start foreclosure?

[LoanModificationExpert]

Technically 3 months. How many months behind are you?

[JohnLG]

90 days, but the foreclosure process itself varies. In some states, such as California, it will go to sale after 90 days from the date you receive a notice of default. In other states, like Florida, it can take much longer. The laws vary state to state.