Typically, the foreclosure process does not begin until a borrower has missed at least four monthly payments. Frequently, a borrower has many more missed payments. To determine your reinstatement or payoff amount, you must submit a reinstatement request utilizing the Reinstatement/Payoff Request form. We then contact your lender to obtain the amount of all missed payments, late fees, interest, lender advances and future monthly payments coming due through the good through date. Once we have the information from your lender, we will prepare a reinstatement quote that includes the fees and costs of the foreclosure as of the good through date and email it to you.