General education. Verify dates with your servicer, court, or attorney.
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Bring the loan current

Reinstatement

Reinstatement generally means paying the amount required to bring the loan current. The amount, deadline, and right to reinstate may depend on state law and the loan documents.

Request a dated quote

  • Ask for a written reinstatement figure good through a stated date.
  • Check whether the total includes legal fees, inspection fees, advances, and escrow shortages.
  • Ask how and where payment must be delivered and when it is considered received.

Verify before moving money

  • Confirm wiring or payment instructions through a trusted servicer number.
  • Never send money based only on an unsolicited call, text, or email.
  • If a sale is scheduled, get local legal help to verify timing and effect.