True Home Acquisitions
See what it takes to bring your loan current.
Missed payments, late fees, and foreclosure costs add up fast. See what catching up looks like today — and, if you've received a Notice of Default, exactly how much time you have.
Estimated amount to bring your loan current
$0
No obligation. Catching up isn't the only path — selling now, before this number grows, is also on the table. We'll walk you through both.
Illustrative estimate only. Assumes a 5% late fee on missed payments and a flat legal/trustee fee estimate that increases the longer a Notice of Default has been active. Your actual reinstatement amount depends on your servicer, loan terms, and county — request a payoff statement from your lender or talk to us for exact numbers. The timeline shown is based on Oregon's non-judicial trustee sale process, which generally requires a minimum of 120 days between a recorded Notice of Default and the earliest date of sale, with a right to cure up until 5 days before that sale — actual dates vary by servicer and county recording.
Questions about reinstating your mortgage
Reinstating means paying everything you're behind on — missed payments, late fees, and any legal or trustee costs added once a Notice of Default is filed — in one lump sum. Once paid, your loan is brought current and the foreclosure process stops.
It's generally your missed payments, plus late fees (typically around 5% per missed payment), plus legal and trustee fees that accrue once a Notice of Default has been filed. The longer it's been active, the higher those fees typically climb.
If the cure deadline passes without reinstatement, the foreclosure sale can proceed on the scheduled date. At that point, selling the home yourself before the sale date is usually the option that preserves the most equity and control over your timeline.
No — it's an illustrative estimate based on typical fee structures. Your exact reinstatement amount depends on your specific servicer, loan terms, and county, and should be confirmed with a payoff statement from your lender.