How long do i have to reinstate my mortgage?

How long do i have to reinstate my mortgage?

How long do i have to reinstate my mortgage?



When facing financial difficulties, homeowners may find themselves in a situation where they are unable to make their mortgage payments. In such cases, it is important to understand the options available for reinstating a mortgage. One common question that arises is, “How long do I have to reinstate my mortgage?” In this article, we will explore the timeframe within which homeowners can reinstate their mortgage and discuss the factors that may influence this timeline.

Understanding Mortgage Reinstatement

Before delving into the time frame for mortgage reinstatement, it is crucial to understand what reinstatement entails. Mortgage reinstatement refers to the process of bringing a delinquent mortgage loan current by paying all outstanding amounts, including missed payments, late fees, and any other charges incurred during the delinquency period. By reinstating their mortgage, homeowners can prevent foreclosure and regain control over their property.

Time Frame for Mortgage Reinstatement

The specific time frame for mortgage reinstatement can vary depending on various factors, including the mortgage lender, the terms of the loan agreement, and applicable state laws. Generally, homeowners are given a certain period, known as the “reinstatement period,” to bring their mortgage current. This period typically ranges from 30 to 120 days, but it can differ based on individual circumstances.

It is important to note that the reinstatement period is not the same as the grace period. The grace period is the period after the due date during which homeowners can make their mortgage payment without incurring a late fee. Once the grace period ends, the loan is considered delinquent, and the reinstatement period begins.

During the reinstatement period, homeowners have the opportunity to make the necessary payments to bring their mortgage current. This typically involves paying all missed payments, late fees, and any other charges specified by the lender. It is crucial to contact the mortgage lender as soon as possible to discuss the reinstatement process and obtain accurate information regarding the specific timeline and requirements.

Factors Influencing the Reinstatement Period

Several factors can influence the reinstatement period for a mortgage. These factors may include:

Loan Agreement Terms: The terms outlined in the loan agreement between the homeowner and the lender can specify the duration of the reinstatement period. It is essential to review the loan agreement to understand the specific provisions related to reinstatement.

State Laws: State laws can vary regarding mortgage reinstatement periods. Some states have specific regulations that dictate the minimum duration of the reinstatement period, providing homeowners with additional time to bring their mortgage current.

Lender Policies: Each mortgage lender may have its own policies and procedures regarding mortgage reinstatement. It is advisable to contact the lender directly to understand their specific requirements and timelines.


In conclusion, the time frame for mortgage reinstatement varies depending on factors such as the loan agreement terms, state laws, and lender policies. Homeowners facing delinquency should act promptly and contact their mortgage lender to discuss the reinstatement process. By understanding the specific timeline and requirements, homeowners can take the necessary steps to bring their mortgage current and avoid foreclosure.


– Investopedia:
– Nolo:
– Consumer Financial Protection Bureau: