Missed a mortgage payment in South Carolina? Start with the facts, not fear.

First: find out exactly where you stand

Call the number on your mortgage statement and ask for the current amount due, the date your loan became delinquent, and the name of the person or team handling loss mitigation. Ask for important information in writing and keep a simple folder of notices, emails, and payment records.

For many mortgages, federal servicing rules require the servicer to try to make live contact after delinquency and to provide information about loss-mitigation options. A servicer generally cannot make the first foreclosure filing until a loan is more than 120 days delinquent, but exceptions and individual facts matter—do not use that general rule as a personal deadline.

Ask about loss mitigation early

"Loss mitigation" is the umbrella term for options a servicer may review to avoid foreclosure. Depending on the loan and hardship, that can include a repayment plan, forbearance, a modification, a short sale, or a deed in lieu. Some paths aim to keep the home; others focus on an orderly sale or transfer.

If the servicer asks for documents, submit complete copies promptly and keep proof of delivery. Ask what is still missing, who is reviewing the file, and when you should expect a written decision. A complete application can create important review protections in some circumstances, especially before a scheduled sale.

Make a simple property-side plan too

While you work with the servicer, it can help to understand the property choices. Is there equity? Would a normal listing be realistic? Would the property need repairs or cleanup before it could sell? Is the estimated payoff higher than the likely sale price? A short sale may be worth discussing when a traditional sale will not cover the mortgage payoff, but lender approval is required.

What not to do

• Do not ignore a letter, summons, complaint, or notice of sale.
• Do not send money to someone who guarantees that they can "stop" a foreclosure.
• Do not sign a deed, listing agreement, or new loan paperwork you do not understand.
• Do not assume a verbal answer from a servicer is final—ask for written confirmation.

Local resources and next questions

Horry County foreclosure matters are generally handled through the Horry County Master in Equity. HUD also maintains a South Carolina housing-counseling resource. Those sources can help you verify official information; neither replaces personal legal advice.

For an overview of the court side, read our South Carolina foreclosure process guide. For sale-related choices, compare homeowner options.