Where Can I Find My Delinquency or Loan Default Information?
Updated 7 days ago (March 6, 2026)
You can find a detailed explanation of your delinquency status in the periodic statement provided by your servicer, usually on the first page of the statement or in a separate page or letter.
Your delinquency information in your periodic statement includes:
The length of your delinquency, as of the date of the periodic statement
- Remember that a borrower is delinquent on their loan obligation from the beginning of the date of a periodic payment until such periodic payment ceases to be unpaid.
A notification of possible risks (foreclosure) and expenses (penalty fees)
Your account history, which must include the amount remaining past due from each billing cycle
A notice regarding any loss mitigation program you have agreed to, if applicable
A notice that your servicer has made the first notice required to start a foreclosure procedure, if applicable
The total outstanding due amount
A reference to a homeownership counselor
Financial Disclaimer: Tellus provides this content for informational purposes only. This is not financial advice. Financial returns and mortgage terms vary based on individual circumstances and market conditions. Consult a qualified financial advisor before making financial or borrowing decisions.