how many months behind does a person have to before their house goes to forclosure?

Answer 1

Usually it is 3 months for the proceedings to start...however every state has different rules regarding how long it takes before you are evicted.Here is a source for timeframes
http://www.realtytrac.com/education/noframes/overview.html
If you are in a position to worry about foreclosure please contact your lender to try and avoid it at all cost. Lenders are willing to negotiate since they would prefer NOT to have your home...they are in the money lending business not the homeowning business...also it cost the banks about $50,000 for every foreclosure.
There are choices...short sale, deed in lieu of foreclosure, forebearance, sell outright, sell and lease back.
Please so not ruin your credit without exploring your options.
If you need to sell quickly contact the people at HouseBuyerNetwork.com to see if they have a quick sale agent or investor in your area. Good Luck!

Answer 2

I was four months behind and it went through pretty quickly. Do yourself a favor and call the bank and try to work something out with them. Do not feel like you can't talk to them, like I did. Take it from somebody that has been through it, don't wait any longer. Every minute that goes by is to late.

Answer 3

it's takes at least 3 months,then they will send you letters of foreclosure and give you an exact time you need to pay by.

Answer 4

each state's laws are different. generally if you live in a red state, it's a lot faster than if you're in a blue state.