Who determines when foreclosure proceedings will start in case of mortgage loan delinquency?

The lender is the entity that determines when foreclosure proceedings will start in the event of mortgage loan delinquency. When a borrower fails to make mortgage payments as agreed, the lender holds the right to initiate foreclosure procedures. This process typically follows a specific timeline outlined in the loan agreement and relevant state laws.

The lender is responsible for evaluating the borrower’s account and the duration of the delinquency before deciding to proceed with foreclosure. This decision may depend on factors such as the length of time the borrower has been overdue on payments, any attempts at loan modification, or other circumstances affecting the borrower’s ability to repay the loan.

The other parties mentioned do not have the authority to initiate foreclosure. The borrower may wish to resolve the situation but does not control when foreclosure starts. A judge may be involved later in the process, particularly if there are legal disputes, but they do not directly initiate foreclosure. A homeowner's association may have certain rights related to property maintenance and dues, but they do not determine foreclosure proceedings for mortgage loans.