When your mortgage falls behind, everything can start to feel overwhelming. Notices come in the mail, the phone rings more than usual, and it’s hard to know what to trust. But before anything else, there’s one option that sits at the very top of the Keep Your Home list:

Reinstatement.

Reinstatement simply means bringing your loan current by paying all the missed payments, plus any fees the lender added during the delinquency. Once you reinstate the mortgage, the foreclosure process stops and you get a clean slate with your lender.

Let’s break this down in a simple, real-life way so you know exactly what it is, how it works, and whether it makes sense for you.

What Is Reinstatement?

Reinstatement is the process of catching up on your mortgage in one lump sum, so your loan goes back to normal—just like it was before you fell behind.A reinstatement amount includes:

• Past-due payments
• Late fees
• Legal fees (if foreclosure has started)
• Inspection fees
• Any escrow shortages
• Other lender-added costs

Once that amount is paid, your mortgage is no longer considered delinquent.

Why Homeowners Choose Reinstatement

Reinstatement is popular for one big reason:It instantly stops the foreclosure and keeps you in your home.No paperwork.

No long approval process.

No negotiations.

No underwriting.It’s the quickest, most straightforward way to reset your account.Homeowners typically choose reinstatement when:

• They recently got a raise or new job
• They received a tax refund or bonus
• They have family willing to help
• They accessed retirement funds
• They sold a vehicle or asset
• They qualified for assistance programs
• They caught the problem early

How to Get Your Reinstatement Quote (Safely)

This is where a lot of people get tripped up—especially with scammers sending fake letters.Here’s the only correct way to get a reinstatement amount:

1. Call your actual mortgage servicer (use the number on your monthly statement).
2. Ask for a Reinstatement Quote or Reinstatement Demand.
3. Request it in writing, usually sent via email or portal.
4. Verify the amount and the payment instructions.
5. Never send money to anyone except the lender or the official attorney handling the foreclosure.
6. Pay the amount before the expiration date (reinstatement quotes expire).

How Fast Does It Stop Foreclosure?

As soon as the reinstatement funds clear, the lender’s attorney will halt all foreclosure action.

In many cases:

• A scheduled auction is cancelled
• All late notices stop
• The account returns to “current” status

Some homeowners see everything updated within 24–72 hours.

Pros & Cons of Reinstatement

Pros

• You keep your home
• No changes to loan terms
• Fastest way to stop foreclosure
• No credit impact beyond the existing late payments
• No long application process
• Restores peace of mind immediately

Cons

• Requires a lump sum
• Can be expensive if legal fees are added
• Doesn’t reduce payments or interest rate
• Doesn’t fix long-term affordability issues

Is Reinstatement Right for You?

Reinstatement is a great fit if:

• You can realistically come up with the full amount
• Your income is stable moving forward
• You want the simplest path with the least paperwork
• You want to avoid loan modification or bankruptcy

If you can get access to the reinstatement amount, this is the cleanest solution.If the reinstatement amount is too high or the deadline is too soon, other options like a loan modification, repayment plan, forbearance, or selling the home might make more sense.

Common Myths About Reinstatement

Myth #1: “I can just send a few payments and it’ll reinstate.”

No — lenders require the full reinstatement amount.Myth #2: “If I call the lender, they’ll speed up foreclosure.”

Calling the lender never hurts you. It’s actually required to fix the situation.Myth #3: “Reinstatement is only for people with perfect credit.”

Credit isn’t a factor. Money is the only requirement.

How We Help Homeowners With Reinstatement

help you understand your options and avoid scams.We can:

As someone who talks with homeowners in distress every single week, my job is simple:

• Verify whether reinstatement is still possible
• Help you contact the right servicer department
• Explain your quote and fees
• Walk you through safe payment instructions
• Help explore backup options if reinstatement is too expensive

You don’t have to figure this out alone.

Contact Us Today!