Times are tough, and keeping up with mortgage payments can be challenging. Home payment default occurs when homeowners miss multiple payments, leading to potential loss of the home and negative impacts on credit scores. Default can also arise from unpaid property taxes or illegal activities. If default occurs, lenders may offer loss mitigation options, but failure to cooperate can lead to foreclosure. Homeowners can avoid default by seeking loan modifications, refinancing, or selling their home. Support services are available to help navigate these challenges.