How many months without payment before a home is foreclosed on?

There is really no set rule regarding how many months may go by before a bank will initiate foreclosure proceedings.  It may depend on the bank’s policies, your state’s laws, and even what your credit rating was like before you got behind and what your future picture looks like.  The same bank might initiate foreclosure proceedings against one homeowner after three months of non-payment, while waiting six or eight months before foreclosing on a different homeowner whose “prospects” look better.  While tenants in foreclosed property are now protected by federal law from being evicted with less than 90 days’ notice, former homeowners/debtors on the mortgage don’t have those same protections.  You can run an internet search to discover whether your state has minimum time limits before a foreclosure can be filed, but your most reliable source of information on this topic would be an attorney who is licensed to practice law in your state.